Uninsured- and Underinsured-Motorist Coverage

Though many states make insurance mandatory, not all drivers comply. Uninsured-motorist and under­insured-motorist coverage is essential if you’re involved in an accident with someone who has inadequate insurance or if you’re the victim of a hit-and-run. This insurance covers the medical, rehabilitation and funeral bills of victims in your car. What’s more, it insures your household members when they are pedestrians. Experts recommend buying at least $100,000 per person and $300,000 per accident.