It is very important that one understand the importance of underinsured motorist coverage. Everyone should have this coverage. Ask your agent and make sure that you are covered!

Underinsured motorist coverage allows one to obtain compensation from their own insurance company when they are hurt as a result of another motorist's negligence and that motorist has an inadequate amount of insurance.

For example if you are hit by a negligent motorist who has $20K in liability coverage (coverage for their negligence) the insurance coverage amount one can collect from the negligent motorist is 20K.

If the injured party has underinsured motorist coverage and the amount of damages exceed 20K, one very important option is to collect the uninsured motorist coverage provided by the injured party's insurance coverage.

A person who is injured in an automobile collision as a result of another person's negligence they should immediately contact their own insurance company and make it clear that they intend to pursue any underisured motorist coverage which could apply.

Please contact Koning & Jilek, P.C. if you have any questions about auto negligence cases.
269-343-1500
www.koningjilek.com