Uninsured Motorist Coverage
What is Uninsured Motorist
Bodily Injury Insurance?
If the Other Driver Is Uninsured
Both uninsured motorist bodily injury insurance and underinsured motorist bodily injury insurance are designed to protect you and your auto passengers for bodily injury should you be hit by someone else.
Uninsured motorist coverage pays bodily injury or death expenses for you and any passengers in your vehicle up to your policy limits if you're struck by a driver who doesn’t have insurance, or if you’re struck by a “hit-and-run” driver that you cannot identify.
Similarly, underinsured motorist insurance coverage pays benefits for the bodily injury or death of you and any passengers in your car if you are involved in an accident caused by a driver who has some car insurance, but not enough to cover the bodily injury losses that result from the accident.
Insurance Coverage availability varies by state
Limits for Uninsured Motorist Coverage
Generally, both your uninsured motorist coverage and your underinsured motorist insurance should be equal to your bodily injury liability insurance, so that you provide the same level of coverage for yourself—if you’re injured—as you would for others.
Example: When Uninsured Motorist Insurance Comes in Handy
Let's say you're out running your typical Saturday errands when suddenly, the car in the next lane swerves out of control and sideswipes your vehicle.
You are hurt in the accident and while your injuries aren’t severe, the medical bills still add up quickly. And as it turns out, the driver that hit you doesn’t have insurance.
Luckily, you have enough uninsured motorist bodily injury insurance to pick up the tab. If you didn't have enough coverage, you could be stuck having to pay those medical bills out of pocket or through your health insurer.
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