How is Uninsured Motorist Coverage typically structured in relation to liability coverage?

Uninsured Motorist Coverage is generally structured in such a way that it is automatically included at the same limits as the Part A liability coverage unless the insured chooses to alter it. This alignment ensures that drivers have comparable coverage for both their liability in case they are at fault in an accident and for situations where they are affected by an uninsured driver.

This is beneficial for consumers as it simplifies the coverage decision process, allowing policyholders to easily understand their protections against uninsured drivers. It also provides a level of consistency in the coverage that drivers have, minimizing the chance of underinsurance in cases of accidents caused by uninsured motorists.

In many states, including North Carolina, this default structure serves to reinforce the intention of providing adequate coverage without requiring additional, complex decisions at the time of policy issuance. If customers desire different coverage limits, they have the option to adjust them, but the default setting is designed to offer robust initial protection in line with their existing liability coverage.