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Do I Need to Purchase Underinsured Motorists Coverage?


There are many options to choose from when purchasing an auto insurance policy. One of the options is underinsured motorists coverage. This is an optional type of insurance coverage you can buy on your Pennsylvania auto insurance policy. This coverage option can help to protect you and anyone else in your household if you suffer a substantial and significant injury as a result of being in an accident. Another area this coverage can be helpful is if the other driver doesn’t have enough insurance to compensate you or them fully. Many times insurance companies offer a policy to drivers at a cheap rate but the coverage has very lower limits to what it will cover. This is not typically a problem for many people until they need to use their coverage. If you purchase this coverage and have it on your policy at the time of an accident, this is excess coverage which can make up the difference possibly to compensate you fully from all your injuries and losses.  

It can be very overwhelming to try and make the right choices to which of these optional coverage are important to include. The attorneys at Schmidt Kramer can help you decide if you have all the options that work best for you and your family. Contact them today at (717) 888-8888 to give you the peace of mind about your policy.