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It is illegal for an individual in America to drive without valid Missouri automobile insurance coverage. This has led to the founding of numerous companies that offer ‘state minimum’ car insurance coverage. These policies only provide the coverage necessary to meet the requirements of a specific state. Drivers with these policies and those who are uninsured make it pertinent for you to invest in uninsured or underinsured motorist property damage coverage.

What is Uninsured Motorist Property Damage Coverage?

Uninsured and underinsured motorist property damage coverage will protect you if you are involved in an accident with an individual that has no insurance or inadequate insurance. These clauses can be added to your regular policy. In the event that you’re involved in an accident with someone who has inadequate insurance, your policy will take over to cover the damages to your vehicle.

Many people choose to get uninsured or underinsured motorist property damage coverage in place of collision coverage. This is an easy way to save money, but it’s important to keep in mind that most uninsured motorist property damage policies will not cover damage caused by a hit-and-run driver. Other than this minor inconvenience that exists in some areas, underinsured and uninsured motorist coverage is a great way for you to protect yourself.

How Uninsured and Underinsured Property Damage Coverage Works

This type of insurance policy is actually simple to understand. If you are in an accident with another driver who has no insurance whatsoever, the uninsured motorist driver policy will cover the damages that the uninsured driver caused. It’s important to note, however, that it will only cover the amount of damage listed your policy limits, so it’s important that you secure adequate coverage considering the value of your vehicle.

Underinsured motorist property damage coverage works basically the same way, but it only covers the damage that the underinsured driver’s policy doesn’t. It’s important to note that policies labeled ‘property damage’ only relate to actual property damage, not bodily injury. You should take this into account when deciding upon your policy.

Underinsured and uninsured motorist property damage coverage is an ideal way for you to protect your vehicle from irresponsible drivers who don’t have adequate coverage.  Without these types of policies, you will likely end up having to take the at-fault driver to court to have your damages covered. It is then up to you to secure payment from the negligent driver on your own, which can be quite a hassle. This type of insurance policy can prevent all of this heartache.

If you don’t have uninsured or underinsured motorist property damage coverage, give us a call for a free quote at 800-530-5822.

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