The news is littered with stories about distracted driving accidents. You see a new one every day. You read about people suffering from serious injuries. You read about fatalities. You find yourself constantly worrying about getting hit by a driver who is talking to friends or looking at a cellphone.
Many people in Minnesota like to think they are great multi-taskers. However, multi-tasking is not always easy -- or even possible. For example, when one tries to drive a car and talk on their phone at the same time, their brain must switch back and forth between these actions. This slows down the driver's reaction time. And, if a driver does not react quickly to driving conditions or motorists around them, they could cause a car accident.
By law drivers in Minnesota are required to carry auto insurance that contains liability coverage, personal injury protection (PIP), uninsured motorist coverage and uninsured motorist coverage. Optional types of coverage include collision coverage and comprehensive coverage. Today we are going to focus on uninsured motorist coverage and underinsured motorist coverage. What are the differences between these two types of auto insurance coverage?