Underinsured/Uninsured Motorist Coverage in Riverhead, NY and throughout Long Island, NY

Even if you carry auto insurance, you may find yourself in a situation where you’re in an accident that’s not your fault and you may have to pay out-of-pocket costs. This situation often occurs when you are in an accident with an uninsured/underinsured motorist.  

Fortunately, there is a type of auto insurance policy that you can purchase to protect yourself from this scenario: uninsured/underinsured (UI/UIM) coverage. If you’re interested in learning more about this type of coverage or purchasing a UI/UIM policy, give the agents at Lupton & Luce Inc. a call today.   

What’s UI/UIM Coverage? 
Most standard auto insurance policies will reimburse another driver if you are the cause of an accident.  

However, if another driver doesn’t have enough coverage to fully pay for the damage of an accident, you could be left to pay the remaining bills yourself. 

• Uninsured motorists are those people who simply don’t have auto insurance coverage. As a result, if they cause an accident, there isn’t a policy in place to reimburse you for medical bills. 

• Underinsured motorists have an insurance policy, but their coverage isn’t high enough to pay for all of the expenses of an accident. Some states require only a small amount of coverage, which may not be enough to pay all of your medical and other expenses.

Hit-and-run accidents—those in which a driver flees the scene of an accident and is not found—fall into the same category as uninsured motorists, as there is no way to know about any insurance policy to cover the driver’s liability. 

Get Protected Today 
Having uninsured or underinsured motorist coverage can help protect you from financial losses you may face after an accident that’s not your fault. Speak with the agents at Lupton & Luce Inc. about an endorsement to your existing policy.  

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