Underinsured Motorist Insurance Coverage is an automobile policy option which covers one for property damage and bodily injury caused by another motorist whose coverage is insufficient to cover the damages one has suffered. This policy compensates the injured party for the difference between the injury suffered and the liability covered by the insurance of the driver at fault.
Uninsured Motorist Coverage is a part of an automobile policy that covers the policy holder from uninsured motorists and hit-and-run accidents.
These coverage's are not required in the state of Arizona. Roughly 20% of all drivers on the road are uninsured.
Please contact GE Insurance Agency for a review.