What in "Tarnation" is Underinsured Motorist

Insurance?

Important Words:

"State Minimum":

This is the minimum amount of liability insurance required by state law to drive a car. Normally, it is just enough to pay for an eight hour stay in the hospital. Anything above that is "on you".

"Indigent":

This is another word for you after you are disabled and cannot work because of some guy that hit you carrying "the state minimum"

"Rice and Beans" :

this is a meal that you will wish that you could afford after being hit by a guy that doesn't carry enough "liability insurance"

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Underinsured Motorist Protection is designed to protect you and your passengers if you are hit by someone that does not carry enough liability insurance. This is the majority of people behind the wheel and may occur for a variety of reasons:

1. They couldn't buy enough liability insurance and also afford to fill the "cement pond".

2. Their insurance agent still thinks $100,000 is a "lot of money" and hands out "shiny dimes" to the outstanding young Americans that come into his office after they buy their first "beater" with their first paycheck from "Drucker's Store".

3. You live only 2.87 miles from the "State Line" and he has an 8 cylinder with a "hemi".

(Underinsured Motorist Property Protection is the same thing except it is designed to fix your car/pay your deductible when the other guy does not have enough "property damage" liability.)

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