When you're on the road, you never know what kind of driver you may encounter. Unfortunately, some drivers are uninsured or underinsured, meaning they don't have enough insurance to cover the costs of an accident. This is where rental reimbursement and uninsured/underinsured motorist coverage come in. Both of these types of coverage can help protect you in the event of an accident with an uninsured or underinsured driver. Uninsured motorist coverage for property damage (UMPD) and collision coverage both provide protection if you are hit by an uninsured or underinsured driver.
If a driver hits your vehicle and flees, you can file a claim against your policy's uninsured motorist coverage up to the limit of your policy. In states that don't require coverage for uninsured or underinsured drivers, you may still be able to purchase it if available. Underinsured motorist coverage is similar to uninsured motorist coverage, but it covers medical bills and other expenses when you're hit by someone who doesn't have enough insurance. In New Hampshire, auto insurance is one of several ways to demonstrate financial responsibility, and the state requires that both coverage for uninsured and underinsured drivers be included in all policies. If you are the victim of a hit and run accident, you can file a claim against your coverage for uninsured motorists. Underinsured motorist coverage protects you if you are hit by a driver who doesn't have enough insurance to pay for the damage or injuries they caused.
If you file a claim below the amount of your underinsured motorist coverage, the claim payment is reduced by the amount of money you already received from the other driver's liability insurance. If your state doesn't require coverage for uninsured drivers, it's still a good idea to consider adding it to your car insurance policy. Uninsured motorist coverage covers your medical bills and other expenses when you're hit by someone who doesn't have liability insurance for cars. It also covers lost wages, pain and suffering, and funeral expenses. Underinsured motorist coverage helps cover medical bills and other expenses when you're hit by someone who doesn't have enough insurance. In states that require coverage for uninsured drivers, it's important to make sure that your policy includes both rental reimbursement and uninsured/underinsured motorist coverage.
These types of coverage can help protect you in the event of an accident with an uninsured or underinsured driver.
