Uninsured/Underinsured Motorist Coverage

Drive with Confidence, Even Against the Unseen Risks

Uninsured/Underinsured Motorist Coverage

Uninsured and Underinsured Motorist Coverage is your safeguard against drivers who fail to meet standard insurance requirements. In a world where not everyone is insured adequately, this coverage ensures that you're not left footing the bill for another's oversight. Protect yourself from unexpected burdens and remain financially secure with our comprehensive coverage options.

1 in 8 drivers on the road is uninsured.
Underinsured motorist claims account for 13% of all claims.
Covers costs that your standard auto insurance might not cover.

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 and Underinsured Motorist Coverage is essential for anyone who regularly drives in areas with high traffic volume or where uninsured drivers are prevalent. It's particularly beneficial for those who rely on their vehicle for daily commuting or family transportation, ensuring peace of mind while on the road.

Commuters
- Protection against uninsured motorists during rush hour.
- Coverage for potential hit-and-run incidents.
- Family Drivers
  - Security for family members traveling together.
  - Financial protection for vehicle repairs after an accident with an underinsured driver.
- Frequent Travelers
  - Extended coverage for travel across different states.
  - Assurance of coverage for medical expenses in accidents far from home.

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

This coverage offers various limits to suit the needs of different policyholders, ranging from basic to premium. Policyholders can choose from several tiers, each providing varied per-incident and total coverage amounts. Deductibles may apply, which can be adjusted based on your premium payment preferences. Enhanced packages may include additional coverages such as rental reimbursement or travel expense coverage after an accident.

$25,000 per person / $50,000 per accident (basic level)
$50,000 per person / $100,000 per accident (standard level)
$100,000 per person / $300,000 per accident (premium level)

Exclusions and Limitations

$25,000 per person / $50,000 per accident (basic level)
$50,000 per person / $100,000 per accident (standard level)
$100,000 per person / $300,000 per accident (premium level)

Legal and Regulatory

Uninsured/Underinsured Motorist Coverage is subject to the terms and conditions outlined in your policy agreement. Coverage availability and limits may vary by state. This summary does not replace the full policy terms and conditions and is meant for informational purposes only. Please consult with your insurance advisor to understand how these terms apply to your specific situation.

Image 1: A safe driver confidently navigating through heavy traffic, symbolizing assured protection.
Image 2: A family relaxing in their car with visible peace of mind, showcasing comfort and safety.
Image 3: A line of cars driving in unison at night, highlighting resilience and secure journeys.