Hi, this is Dave Farney.  I'm here to talk to you a little bit today about underinsured motorist coverage and uninsured motorist coverage.  First let me explain what those are.  Underinsured Motorist Coverage is coverage that you purchase that will allow you to obtain a recovery for injuries if the other driver has no insurance coverage.  Now unfortunately it's a sad fact, everybody is required by law to have coverage in Arizona, but many do not.  A significant number of drivers in fact have no coverage whatsoever.  So if you are injured by that type of driver, the only thing that's going to allow you to compensate for those injuries is your own uninsured motorist coverage. Now likewise, underinsured motorist coverage covers you for injuries and damages that are in excess of the coverage of the adverse driver - the bad driver that hits you.  If that driver has the minimum coverage only, which in Arizona is only fifteen thousand dollars, while they may be legally compliant, that isn't going to help you if your injury is more severe. That's why underinsured motorist coverage will assist you with those types of cases in which the other driver has only minimum coverages.  Both underinsured and uninsured motorist coverage typically come in the same package.  Now in Arizona you can elect not to pay for that or have that type of coverage, but typically you have to sign off - sign a waiver form, because the law says that coverage is supposed to be automatically afforded to you in your policy. Let me tell you something about that coverage.  It's very inexpensive.  It's probably the cheapest coverage for automobiles that you can purchase anywhere.  Some as little as 20 or 30 dollars a year to obtain coverages for underinsured and uninsured motorists.  So it's a coverage you really should make sure you have.  You can check that out with your insurance company by looking at your declarations page or talking to your insurance agent.  Make sure you have that kind of coverage. Very important in Arizona and as always, if you have a question about that type of coverage or anything else relative to an accident claim give me a call.  I'm here to help.