How does the auto insurance claims process differ for uninsured/underinsured motorist coverage with State Farm?

Uninsured/underinsured motorist coverage with State Farm is similar to car insurance with many other companies. Learning more about how your car insurance coverage works can help you get the compensation you need after an accident.

Without uninsured or underinsured motorist coverage, you could have to pay for repairs to your vehicle, even if someone else caused an accident.

How does the auto insurance claims process differ for uninsured/underinsured motorist coverage with State Farm? Here’s some additional information about how the auto insurance claims process works for uninsured/underinsured motorist coverage with State Farm and how to file an auto insurance claim.

Auto Insurance Claims for Uninsured/Underinsured Motorist Coverage With State Farm

If you’ve been in an accident with an uninsured or underinsured driver, you could have to pay high costs without uninsured/underinsured motorist coverage. The best policy for you depends on local regulations, the car you drive, and other factors.

You can contact State Farm and make a claim for uninsured or underinsured motorist coverage by calling the number on your insurance card. You can also make a claim online or using the State Farm app on your smartphone. Learn more by visiting our State Farm auto insurance review.

Read more: Affordable Uninsured or Underinsured Auto Insurance Coverage

How Uninsured/Underinsured Motorist Coverage Works with State Farm

Uninsured/underinsured motorist coverage pays your expenses if another driver causes an accident and doesn’t have the funds to compensate you.

For example, if you get hit at a stoplight by the car behind you and the other driver doesn’t have insurance, State Farm can pay for your repairs minus your deductible. Here are some of the things you should do right after an accident:

• Pull over in a safe place and activate your hazard lights.
• Call the police and report the accident.
• Exchange insurance information with the other person if possible.
• Take photos of the other person’s license plate, the vehicles, and surroundings.

If you need to have your vehicle repaired, you have an injury, or you miss work and lose income because of an accident, keep thorough records of all bills and receipts and any change in your paycheck. Then, when you make your claim, provide State Farm with all these records.

Read more: What information do I need to file an auto insurance claim with State Farm?

You could still qualify for underinsured motorist coverage if the other person has insurance. The other person’s coverage can pay up to their policy limit, and your car insurance could cover any additional expenses.

How does the auto insurance claims process differ for uninsured/underinsured motorist coverage? Well, the cost of uninsured/underinsured motorist coverage usually ranges from $4 to $6 per month. While some states mandate this coverage with all collision and comprehensive policies, it remains optional in other states.

If State Farm doesn’t offer you enough money to cover your expenses, you can consider suing the other driver. However, State Farm won’t make any payments until the lawsuit is over, and it will only pay what the other driver didn’t cover.

The company may also require you to get approval before accepting a settlement. If you settle without written approval from State Farm, the company may not offer additional compensation for your accident.

Understand State Farm’s Claims Process for Uninsured/Underinsured Motorist Coverage

State Farm’s claims process for uninsured/underinsured motorist coverage is similar to many other car insurance companies. Understanding the claims process can help you get the compensation you need after an accident.

Read more:

• How do I file an auto insurance claim with State Farm?
• Does State Farm cover medical bills resulting from the accident?

It’s also a good idea to learn how to compare auto insurance quotes to make sure you have the coverage you require.