If you have The Hartford car insurance underinsured motorists coverage, you won't have to worry if the other party has enough insurance coverage
As a company that has been around since 1810, The Hartford is a name you can trust. Not only do they handle various types of financial services, The Hartford also has outstanding auto insurance. While purchasing a policy, don't forget to include The Hartford car insurance underinsured motorists coverage. Even though this coverage isn't required in every state, it is a vital piece of your policy that will protect you if you are involved in an accident with an uninsured or underinsured motorist.
Most insurance companies have a basic auto policy that you can then add additional coverages to. Each type of coverage has different levels of protection in increasing dollar increments. The more coverage you add, the 
higher your premium will be. For instance, with The Hartford car insurance underinsured motorists coverage, if you are in an accident with another driver that has inadequate car insurance and can't pay for the bills they're responsible for, then your underinsured motorists coverage will cover the expenses.
The Hartford car insurance underinsured motorists coverage will also pay for all types of bodily injury or death expenses for everyone in the vehicle at the time of the collision, up to your policy limits, when you are hit by underinsured drivers. The Hartford underinsured motorists coverage will also cover you if you are involved in a hit-and-run accident and can't identify the at-fault driver.
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If you are wondering how much underinsured motorists coverage you should add to your auto insurance policy, the rule of thumb is that both uninsured and underinsured motorist coverage should be equal to the bodily injury liability insurance you are carrying. This gives you the same level of coverage for yourself and others if you are injured during an automobile accident.
Do you need this coverage?
The most immediate answer to this question may come from your state's car insurance laws. There are a few 
states that require licensed drivers to carry uninsured/underinsured motorists coverage in addition to the legally required minimum levels of liability car insurance. If you live and drive in one of these states, you will need to put this coverage option in place and stay in compliance with your state's laws.
Beyond legal requirements, there is a practical angle to carrying this option, especially if you have a family. While states set legally required levels of liability car insurance for all licensed drivers, those levels are not very high. Required bodily injury liability levels range from a low of $10,000 to a high of only $50,000. Even if you live in a state with high levels and you are hit by a driver meeting those legal requirements, if that driver causes you serious injury requiring transportation to a hospital, surgery, and even a short stay and recovery period, $50,000 will hardly cover the cost. In that case, you would either have to pay the added expenses yourself or try to pursue financial remedy in the courts (if your state allows you to).
Having The Hartford car insurance underinsured motorists coverage will eliminate that concern.
If you have additional questions about The Hartford car insurance underinsured motorists coverage, you might be well served to spend some time with an experienced, licensed car insurance agent with access to leading companies like The Hartford. That way you can ask all your questions and even take a look at some competing policy options. Reply! can help you locate local car insurance agencies so you can get the answers you are looking for and make sure you have the auto insurance coverage you need.