Should I Carry Uninsured/Underinsured Motorist Coverage?

In the event you are involved in a motor vehicle collision that is no fault of your own and the person causing the collision does not carry sufficient Bodily Injury Liability Coverage on their automobile insurance policy, you should consider purchasing Uninsured/Underinsured Motorist Coverage. This coverage can stand in the place of Bodily Injury Liability Coverage on the at-fault party’s insurance if they don’t have any Bodily Injury Liability Insurance (Uninsured), or they don’t carry enough Bodily Injury Liability Insurance (Underinsured) to satisfy your injury claim. In order to carry Uninsured/Underinsured Motorist Coverage on your policy, you must also carry Bodily Injury Liability Coverage on your policy for an amount greater than or equal to the amount you wish to carry in Uninsured/Underinsured Motorist Coverage. You may also consider purchasing Uninsured/Underinsured Motorist Coverage with a Stacking Option, which means your coverage will be “stacked,” or multiplied by the number of vehicles you are insuring under the policy.