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What Is the Purpose of Obtaining Uninsured or Underinsured Motorist Coverage?

The purpose of obtaining uninsured motorist coverage is if you’re involved in an auto accident with another driver who did not carry insurance, you can file a claim under your own insurance company for coverage. The purpose of obtaining underinsured coverage is if you’re involved in an auto accident with another driver, who carried minimal state coverage limits. You can go and file a claim under your own insurance coverage for the additional coverage.