Uninsured/Underinsured Motorist Coverage

Drive Confidently, We've Got You Covered When Others Aren't.

Uninsured/Underinsured Motorist Coverage

Navigating the roads can be unpredictable, but with Uninsured/Underinsured Motorist Coverage, you can steer with confidence. This essential coverage shields you when other drivers' insurance falls short, ensuring you're not left vulnerable after an accident. Protect yourself from financial burdens and gain peace of mind; it's the safety net every driver needs when things go wrong.

Over 12% of drivers are uninsured, leaving others at financial risk.
In 2020, 1 in 8 accidents involved an uninsured driver.
Underinsured motorists are as prevalent as uninsured ones, often providing too little coverage in major accidents.

Homeowners insurance is a policy that safeguards your home against damages and liabilities. It provides financial protection for your property, personal belongings, and even liability claims, ensuring you can recover from unexpected events.

Who Needs This

Uninsured/Underinsured Motorist Coverage is essential for all drivers, but particularly beneficial for those in high-risk areas where uninsured motorists are common. Whether you're a daily commuter or an occasional driver, this coverage protects you from unforeseen expenses and financial distress.

Daily City Commuter
- High exposure to uninsured drivers in urban areas.
- Protection from uninsured motorist accidents during rush hour.
- Family Road Trip Enthusiasts
  - Security during long drives through areas with high uninsured driver rates.
  - Assurance of medical coverage for the entire family in the vehicle.
- Rural Area Residents
  - Few nearby service options making recovery difficult without proper coverage.
  - Reliance on personal vehicles for all errands, increasing exposure to risk.

Protect What Matters Most with Fort Collin's Insurance

At Fort Collins Insurance we're dedicated to providing you with the peace of mind that comes from knowing you're properly protected. We offer a comprehensive range of insurance options tailored to your specific needs and location.

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Limits and Options

Uninsured/Underinsured Motorist Coverage typically offers several levels of protection that cater to varying needs. Policies might include options for medical coverage as well as property damage. Coverage limits are commonly expressed as split limits, such as 100/300 for bodily injury, where the policy covers $100,000 per person and $300,000 per accident. It's important to note that these limits can often be adjusted higher based on individual needs, ensuring maximum protection.

$100,000 per person/$300,000 per accident for bodily injury.
Property damage limits such as $25,000 per accident.
Options to increase limits for comprehensive protection.

Exclusions and Limitations

$100,000 per person/$300,000 per accident for bodily injury.
Property damage limits such as $25,000 per accident.
Options to increase limits for comprehensive protection.

Legal and Regulatory

This coverage is subject to terms, conditions, and availability. Be sure to review your policy specifics to understand how coverage applies within your state. Uninsured/Underinsured Motorist Coverage may not cover all accident scenarios. Additionally, coverage specifics can vary significantly from one insurer to another; always read the fine print and consult with your insurance advisor for clarity.

A scenic highway with a diverse range of vehicles, symbolizing protection during long travels.
A busy city intersection with multiple cars, emphasizing urban driving and coverage needs.
Families in a car with scenic background, highlighting peaceful and secure travel.