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Uninsured motorist coverage is a type of insurance that is purchased by a consumer to protect themselves from drivers who either don't have any insurance or are inadequately covered for a hypothetical casualty that might occur that you or you might be a victim of. So, uh, as a consumer, as a motorist, you are anticipating that perhaps there are going to be people who are driving on the road who do not have any insurance or that the insurance that they're going to carry on their vehicle is going to be inadequate. So as a
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prophylactic measure, many people will elect to pay their own insurance carrier for additional coverage that provides in the event that they are in an accident in the future. If that event happens in the future, then once you've demonstrated to the insurance carrier either that the primary thirdparty policy or policies have uh that provide coverage for the event have tendered out, meaning they they've exhausted those coverages, they've been paid out or they anticipate that they will be
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paid out and they see that there's exposure on their their part for first-party coverage. Then they will evaluate what their exposure is and they'll make an offer based upon that. That's essentially how underinsured Motors coverage.
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