The driver who hit you has insurance, but is it enough? With Mercury Insurance car insurance underinsured motorists coverage, it really won't matter that much
If you sustain damages in an accident due to no fault of your own, the responsible party is liable to compensate you for your losses. However, if the negligent motorist is underinsured, you may not get the compensation you deserve. Getting the Mercury Insurance car insurance underinsured motorists coverage is one way to protect yourself against underinsured motorists.
Why you might need underinsured motorists coverage
Underinsured motorists are motorists who have inadequate auto insurance coverage for liability claims that result 
from auto accidents they are held responsible for. As such, they may not have the proper limits of insurance to be able to pay the required amounts of compensation to the victims of the accidents. If you're involved in an accident caused by an underinsured motorist, you may only get part of the compensation you're entitled to, and you may have to pay the remainder of your losses out of your own pocket. Depending on the state where you live, you might be able to pursue losses not compensated for through a suit in court. If you have underinsured motorists coverage, you're entitled to claim full compensation for your losses.
Overview of Mercury Insurance car insurance underinsured motorists coverage
Being well aware of the problems that can result from accidents caused by underinsured drivers, Mercury Insurance offers excellent protection for victims of such accidents through its underinsured motorists coverage. This coverage option comes in two forms: underinsured motorists bodily injury coverage and underinsured motorists property damage coverage. Underinsured motorists bodily injury coverage pays for injury-related losses that exceed the underinsured motorist's liability coverage limits, including medical expenses and lost wages. Underinsured motorists property damage coverage, on the other hand, offers compensation for the part of your property damage losses not covered by the underinsured motorist's liability insurance. The maximum compensation you can claim depends on the limits of your coverage and, in some cases, the state where you live and drive.
Mercury Insurance underinsured motorists coverage - cost considerations
The cost of Mercury Insurance car insurance underinsured motorists coverage can vary from one individual to 
another, depending on coverage limits, type of car, driving record, age and other factors. Mercury Insurance offers several types of discounts to enable you to lower your auto insurance premium, and these include:
- Good driving record discounts
- Multi-vehicle discounts
- Good student discounts
- Safety and anti-theft devices discounts
For free quotes on car insurance policies that carry underinsured motorists coverage, click here
Do you really need this?
While there are a few states that require licensed drivers to carry uninsured/underinsured motorists coverage. you may wonder if you really need this add-on if you don't live in one of those states. Consider this: there are some states (including California) where the legally required amount of property damage liability car insurance is only $5,000 per accident. If you live and drive in one of these states and somebody runs a red light and plows into the front of your car, busting lights and fenders and possibly causing serious engine damage, would $5,000 cover your damages? If your car is determined to be a total loss, would $5,000 get you a new car?
It's always important to get the necessary protection against any unforeseen events and to be sure you do, you might want to spend some time with a local car insurance agent who can make sure you are not only in legal compliance, but that your coverage is well-suited to your specific needs. Reply! can help you here by putting you in touch with local car insurance agents who can help you determine if Mercury Insurance car insurance underinsured motorists coverage is a wise option for you.