What Is The Purpose Of Obtaining Uninsured Or Underinsured Motorist Coverage?
The protection of yourself, the occupants of your vehicle and members of your household.
The goal here is the protection of yourself, the occupants of your vehicle and members of your household. Uninsured and underinsured are different coverages under Maryland law, although they're defined in the same section. Uninsured motorist coverage governs the situation where another driver causes an accident that damages you and has no insurance whatsoever. In that instance, your uninsured motorist coverage kicks in and provides you with benefits. Underinsured motorist coverage would involve a situation where another driver hits you, causes damage, has insurance, but it's not enough insurance to fully compensate you for your loss. Then your underinsured coverage kicks in to make up the difference.