State requirements for car insurance coverage are notoriously low. Protect yourself and your family with Kemper car insurance underinsured motorists coverage
When you obtain car insurance, you're trying to protect yourself, your family and your property in the event of a car accident. What many people don't realize is that there are many underinsured motorists driving, and these people put everyone else at risk. It's one reason why many people add Kemper car insurance underinsured motorists coverage to a policy.
State minimum requirements are just that...minimum
When you obtain car insurance, the first type of coverage that you'll need to obtain is liability insurance. The two 
types of liability coverage available are bodily injury liability coverage and property damage liability coverage. Liability coverage protects other drivers in case they are hurt in an accident that you have caused. This coverage, therefore, doesn't cover your own injuries and damage. States set minimum required levels of both that all licensed drivers are required to carry.
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State-mandated minimums are great except that in most cases, state minimum amounts of liability coverage are rarely enough to cover the costs incurred by injured drivers, especially in the case of a serious accident. Insurance companies and experts suggest that you get more than the state minimum required by law. This way, if you're involved in an accident in which you are at fault, the liability amounts that you have taken out should cover all costs. Otherwise, in all likelihood, you would need to dig into your own pockets in order to cover the costs. Unless you live in a no fault state, you could also find yourself in court facing a lawsuit from an injured party seeking additional relief from you, beyond what your minimum coverage may have provided.
Too many drivers are just getting by
Unfortunately, many people are trying to save as much money as possible when it comes to their insurance 
payments. As such, those people take out the very minimum amount of liability coverage required by law. If you're injured in an accident that one of these people has caused, there is very little chance that your medical bills will be covered by their insurance. This is where Kemper car insurance underinsured motorists coverage comes into play.
To ensure maximum protection against drivers with inadequate auto insurance, you'd do well to select Kemper car insurance underinsured motorists coverage. The coverage will extend to you as well as to any passengers in your car. If you're still unsure whether this might be a good option, just consider this: the minimum level of bodily injury liability coverage required by licensed drivers ranges from a low of $10,000 per accident to a high of $50,000 per accident. Say you are hit by a driver who, according to state law, is fully insured and you suffer a serious injury. Even if you are in a state with the high of $50,000, that can quickly be eaten up with expenses to transport you from the accident to an emergency room, treatment in the emergency room, perhaps surgery for a broken bone or internal injury, post-operative treatment, and even rehabilitation afterwards.
One other thing to consider is that there are a few states that require licensed drivers to carry uninsured/underinsured motorists coverage in addition to the liability requirements of the state. Be sure you are always in compliance with state law when putting your car insurance policy in place.
Of course, one way to be sure you are in compliance with all your state's laws governing insurance is to set aside some time to visit with a licensed car insurance agent. An agent will be able to answer any questions you may have, show you some competitive proposals for coverage, and even show you how and where you may qualify for discounts on your coverage. Reply! can help you find car insurance agents near you who will be able to help you determine if Kemper car insurance underinsured motorists coverage is a wise choice for you and your family.