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Home > Uninsured/Underinsured Motorist Coverage - Chapel Hill NC & Raleigh NC

Uninsured & Underinsured Motorist Coverage in Durham, NC, and Raleigh, NC

Not Every Driver is a Responsible Driver.

As a safe driver, obeying street signs, speed limits, and always using your turn signals is simply part of the routine. And if you’re ever involved in an accident, your insurance policy typically keeps you protected.

Unfortunately, there are those on the road who don’t share the same safety precautions as you, and if you’re involved in an accident with a motorist without the right coverage, you may have to take care of any medical payments, damages, or any other expenses with money from your own pocket.

Many people wrongly assume that auto and umbrella insurance policies will provide reimbursement for all aspects of an accident on the road. Instead, both of these policies cover your own liability and provide compensation to others if you are responsible for an accident. But if another driver causes an accident and doesn’t have enough insurance coverage to compensate you, your own auto or umbrella policies won’t be enough. 

If another driver doesn’t have enough insurance coverage to pay for your medical bills, you could face extremely high costs or lengthy court battles. However, by purchasing stand-alone uninsured (UM) or underinsured (UIM) motorist coverage—or by adding the coverage as an endorsement to your policy—you can be fully protected on the road. Give the agents at All About Insurance a call today to learn more about this insurance offering.  

It’s Important to be Prepared for Everything

Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will be covered. In cases where the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount in which you are legally entitled to – in regards to you, your passengers, and your vehicle. Uninsured/Underinsured Motorist Protection may also take care of property damage in some states.

The Need to Additional Coverage 

Auto insurance is required in most states because all drivers on the road essentially trust one another to not get into an accident. As a result, your regular auto insurance policy will reimburse another driver if you are the cause of an accident. Similarly, umbrella policies provide you with excess coverage for different personal liabilities. 

However, if another driver doesn’t have enough coverage to pay for the damage of an accident fully, you could be left to pay the bills yourself. 

  • Uninsured motoristsare those people who simply don’t purchase an auto insurance policy. As a result, if they cause an accident, there isn’t a policy in place to reimburse you for medical bills. 

  • Underinsured motorists have an insurance policy, but they don’t have a high enough coverage limit to pay for all of the expenses of an accident. Some states only require a small amount of coverage, which won’t be enough to pay all of your medical expenses.


It’s also important to know that hit-and-run accidents—those in which a driver flees—fall into the same category as uninsured motorists, as there is no insurance policy in place to cover the driver’s liability. 

Get Protected Today 
Since Uninsured/Underinsured Motorist Coverage is a separate purchase from your typical Auto Insurance policy, it’s important to contact All About Insurance to find out how you can be prepared for any situation on the road.

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