With American Family car insurance underinsured motorists coverage you won't have to worry if your state's mandatory auto insurance limits are enough
The amount of auto insurance required by law in a lot of states is usually very low. If you are involved in an accident with an underinsured driver, you may end up having to pay expenses that exceed the limits of their coverage. American Family car insurance underinsured motorists coverage is available to help protect people against financial loss due to having a car crash with an underinsured driver.
American Family underinsured drivers insurance is coverage that will pay the remaining costs of your medical 
expenses or repair costs incurred during an accident with a driver who is found to be at fault for the accident and has very little auto insurance. Medical attention is often needed after a car accident and can be costly. In many cases, hospital stays are required and surgical procedures are sometimes necessary. Underinsured motorists often do not carry enough coverage to take care of all the medical expenses incurred if they are found at fault in an accident. American Family car insurance underinsured motorists coverage can protect you financially, should you be involved in a collision with a driver who has inadequate car insurance.
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American Family car insurance underinsured motorists coverage is often mistaken for the uninsured motorists coverage that the company also offers. It is important to realize that you are not financially protected against uninsured drivers when you have added underinsured motorist coverage to your policy. You are only covered when the accident is the fault of a person who has insurance, but not enough to cover your expenses. In order to be protected against uninsured drivers, you would need to add that option to your coverage, which American Family gladly will help you do.
If you feel you may not need this coverage, consider this: the minimum levels of bodily injury
liability car insurance required of licensed drivers by states ranges from the low of $10,000 to a high of $50,00 per accident. If you are in a serious accident with a person who has only the state minimum coverage, do you honestly think that would cover all your medical and recovery expenses? If not, would you honestly want to pursue those additional expenses through a lawsuit?
To fully understand the importance and possible need for adding underinsured motorists coverage to your car insurance policy, it might help you to visit with an experienced, licensed car insurance agent with access to leading companies like American Family. You can have all your insurance questions answered, review some competing policies and get the process started. Reply! can be of some assistance here by connecting you to car insurance agents in your area familiar with all the car insurance coverage options you'll need to put the right package in place.