If you’re still questioning whether underinsured motorist coverage is worth it, consider the following example.
A driver with Indiana state minimum insurance coverage hits you from behind, injuring you and a passenger and totaling your car.
Medical expenses for you and your passenger exceed the other driver’s $50,000 state-minimum bodily injury policy. But you have UIM bodily injury coverage of $100,000. Your UIM coverage pays for medical expenses for you and your passenger that exceed the other driver’s $50,000 limit up to your UIM limit of $100,000.
This is particularly important if you don’t have health insurance, your passenger doesn’t have health insurance, or you have health insurance with a high deductible.