Today I want to cover uninsured and under insured insurance coverage which is another less known insurance option in Nigeria. I found out about it when I inquired about it with my insurance agent back in the US.

As a student in the US, I couldn’t afford comprehensive insurance and by law you had to have liability insurance. Although some people still didn’t have insurance because they couldn’t afford it.

A drunk driver hit me from behind smashing my bumper. The force of the hit pushed me to hit the car in front of me. It turned out that the drunk driver didn’t have car insurance. The cops arrested the driver for drunk driving and driving without insurance.

The insurance company of the person I hit came after my insurance company since the other person didn’t have car insurance.

My insurance company paid to cover the cost of the repairs for the person that I hit but not mine. As a student, I couldn’t afford to fix it, so I drove it like that for six months!

continue reading https://insuranceinfong.com/uninsured-and-under-insured-insurance-coverage/