Why Do I Need Uninsured and Underinsured Motorist Coverage?

About this episode

Mark Moore discusses the importance of uninsured and underinsured motorist coverage in auto insurance policies.

A Common Coverage People Overlook (00:00) As Mark Moore explains, one of the most commonly misunderstood parts of an auto insurance policy is uninsured and underinsured motorist coverage. It’s often optional, which leads many people to decline it without fully understanding what it does. The reality is, most people don’t think about their insurance until something happens. This coverage tends to get overlooked simply because it doesn’t feel immediately necessary—until it is. What Happens When You Don’t Have It (03:30) Mark shares a situation from years ago where a client chose to reject uninsured motorist coverage, only to later be hit by a driver with no insurance. The result was significant out-of-pocket medical expenses and no clear way to recover those costs. As both Mark and Kathy point out, even legal action often doesn’t solve the problem. If someone can’t afford insurance, they likely don’t have assets worth pursuing. That leaves the injured party financially responsible for something they didn’t cause. What This Coverage Actually Does (08:15) Kathy helps clarify a common misconception—this coverage isn’t for the other driver, it’s for you. Uninsured motorist coverage…

People in this episode

Host: Mark Moore

Topics covered

• uninsured motorist coverage
• underinsured motorist coverage
• auto insurance
• financial responsibility
• insurance misconceptions

Keywords

• uninsured motorist coverage
• underinsured motorist coverage
• auto insurance
• medical expenses
• insurance policy

Mentioned in this episode

Organizations: Moore Insurance

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