Creekside FYI...
Uninsured / Underinsured Motorist

Who is covered?
Uninsured/Underinsured Motorist Coverage insures you, your resident relatives, and the passengers in your covered vehicle. This coverage only applies if it is determined that the other driver is at fault and has insufficient or no liability coverage.

What does it pay?
Uninsured/Underinsured Motorist Coverage applies to damages such as medical bills, lost wages, and pain and suffering resulting from bodily injuries caused by an at-fault motorist who has insufficient or no liability coverage.

Why do I need this?
If you are involved in an accident where the at-fault motorist has insufficient or no liability coverage, Uninsured/Underinsured Motorist Coverage will pay for the expenses incurred by you as a result of the accident. Without this coverage, you will be liable to pay the expenses if the at-fault motorist has insufficient or no liability coverage to pay for your medical bills, lost wages, and pain and suffering.

Example
You are hit by another driver and sustain injury to your back and substantial damage to your covered vehicle. The other driver has no liability coverage. You have a limit of $50,000 per person/$100,000 per accident for Uninsured/Underinsured Motorist Coverage. You will have up to $50,000 in coverage for your injuries. This amount will only apply to any of the damages that fall under Uninsured/Underinsured Motorist Coverage if it is determined that the other driver involved in the accident is liable. If the driver does not have enough liability coverage to cover your damages, you will be insured for the remaining amount up to the limits you select for Uninsured/Underinsured Motorist Coverage after the at-fault motorist's liability coverage has been exhausted.

Your coverage limits, deductibles, and certain exclusions may apply. Please read your auto insurance policy for details.

Please call us if you have any questions.