Uninsured/Underinsured Motorist Coverage in Beaufort, NC and Morehead City, NC

Willis Insurance, located in Beaufort, NC and Morehead City, NC, can help you compare car insurance quotes that include underinsured uninsured motorist coverage. Contact us today for help understanding your options.

What Is the Difference Between Uninsured and Underinsured Motorist Coverage?

Uninsured motorist coverage may help cover an accident caused by a driver who does not have car insurance. If an uninsured driver causes a collision, this coverage may help cover your medical expenses or property damage.

Underinsured motorist coverage may be involved when the at-fault driver’s insurance is insufficient to cover the costs of your medical bills or property damage. This coverage may help bridge the gap between the at-fault driver’s coverage limits and the costs incurred.

Both types of coverage are designed to safeguard you financially in scenarios where the other driver’s insurance is lacking or nonexistent.

Do I Need Both Uninsured and Underinsured Motorist Coverage?

North Carolina’s laws require drivers to carry uninsured motorist coverage and minimum amounts of bodily injury and property damage liability insurance. Underinsured motorist coverage is generally optional but still highly recommended.

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