Uninsured and Underinsured Motorist Coverage

NOT EVERY DRIVER IS A RESPONSIBLE DRIVER.

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

Unfortunately, some drivers on the road don’t share the same safety precautions as you. And if you’re involved in an accident with a motorist who doesn’t have the right coverage, you may have to take care of any medical payments, damages, or other expenses with money from your own pocket.

IT’S IMPORTANT TO BE PREPARED FOR EVERYTHING

Uninsured/Underinsured Motorist Coverage can give you the assurance that your medical expenses will be covered. In cases where the at-fault driver does not have liability insurance, Uninsured Motorist Coverage may cover expenses caused by the a covered accident.

There are two distinct kinds of coverage included in an Uninsured Motorist Coverage Policy:

• Uninsured Motorist Bodily Injury (UMBI) can cover income losses, medical bills, or other expenses for you and your passengers. 
• Uninsured Motorist Property Damage (UMPD) can cover damage to property, including your car.

Underinsured Motorist Coverage may cover damage related to an accident where the other driver’s insurance policy limits were not enough to cover the full cost of damages. Like Uninsured Motorist Coverage, this coverage includes both bodily injury and property damage.

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

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Vanishing Deductible, Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.