Pemco car insurance underinsured motorists coverage: things you should know

If you are pretty certain that you've got a well-fleshed-out insurance policy, and you think that by adding underinsured motorists insurance, you'd be overdoing it, you may be wrong. Many drivers have found themselves wishing that they'd considered adding something like Pemco car insurance underinsured motorists coverage to policies prior to getting into accidents with drivers who had inadequate car insurance.

Don't think you'd need this coverage?

You may believe that you don't need to add Pemco car insurance underinsured motorists coverage because you've already got plenty of bodily injury and property damage liability coverage in place. You may also be operating under the assumption that other drivers have done the same. Liability coverage protects other drivers and passengers if they've been injured in an accident that you have caused. Most states require licensed drivers to carry liability insurance in order to protect other drivers on the road. Every state sets a minimum amount of liability coverage that each driver must take out.

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As a conscientious driver, you probably made sure that you took out as much liability coverage as you could afford in order to ensure that you'd be able to easily cover other people's expenses if you were at fault in an accident. You may also be operating under the assumption that other drivers will be just as conscientious. That's an assumption you may live to regret.

Minimum required levels are just that

Even when drivers are complying with state minimums regarding the amount of liability that they're required to take out, those minimums are often not enough to take care of medical expenses or repairs to property damage in the event of a serious car accident. In the event of an accident, your medical expenses may not be covered by other drivers' inadequate auto insurance.

Here's a simple example. State required levels of bodily injury liability range from a low of $10,000 per accident to a high of only $50,000 per accident. Even if you are living and driving in a state with the highest required level ($50,000) think of how little that actually would cover. If you are hit by a driver fully in legal compliance carrying $50,000 in bodily injury liability and you are seriously injured, how far do you think that $50,000 would go?

Add up the possibilities: emergency treatment at the site; emergency transport to an emergency room or other medical facility; additional treatment at an emergency room; possible surgery for broken bones or internal injuries; post-operative recovery in a hospital; physical therapy or related additional treatment; loss of income should you be recovering for any length of time.

Poof! There went a cool $50,000, easily...and then some.

Protect yourself against minimal coverage

By taking out insurance that protects them from underinsured drivers, Pemco customers can ensure that the immediate expenses will be taken care of if they're involved in an accident caused by another driver. Underinsured motorists bodily injury insurance will help take care of any of the medical expenses that you and your passengers suffer in an accident. Underinsured motorists property damage insurance will take care of any damage to your property (including your car.)

Depending on the state that you live in, you may be required to take out uninsured/underinsured motorists coverage. Check with your Pemco or other car insurance representative to see if it's a requirement in your state.

Protecting yourself against unforeseen hazards is the whole point of insurance and covering against the vagaries of state-to-state minimum car insurance liability requirements is what Pemco car insurance underinsured motorists coverage is designed to do. Visiting with a local, licensed car insurance agent may be one excellent way to get any quetsions you may have answered and to see some competitive policy options. Reply! can help by  linking you to car insurance agents in your area with the tools and the expertise to help you get all the car insurance coverage you need at a prices you can afford.