Car insurance coverage that deals with protection to you and others consists of five coverage which one of them is uninsured and underinsured driver coverage. This type of coverage is useful when you are in a car accident and you are the victim of that accident and the person who is in fault has not insurance or their insurance is insufficient. There is an illustration to use this type of coverage. You are in a car accident due to other person crash into your car. Everybody from both sides is safe but the problem is your car get the result of the accident.
You do not need to worry if the incident aforementioned above happens to you. You just have to make sure that the person who crushes you does not have insurance or his insurance does not enough to pay the expenses resulted from his mistakes. There are two possibilities that might happen if the incident above happens to you. First, if the other driver has not auto insurance car, you will get advantage from uninsured car accident coverage. He will pay the expenses on your car reparation and injuries you are suffering. The second possibility is the other driver has auto insurance but his coverage is not high enough to pay the damage.