Uninsured and underinsured motorist coverage are types of insurances that protect you in the event that you are in an accident with a driver who has no insurance or not enough insurance.

It covers:

• vehicle damages,

• medical expenses,

• and lost wages
  up to the policy limits that you opt in for.

It is highly recommended to have these coverages because you never know when you may be in an accident with a driver who does not have adequate insurance.