Uninsured Motorist Bodily Injury Coverage

What is Uninsured Motorist Bodily Injury Coverage?

Uninsured/underinsured motorist bodily injury insurance is designed to help protect you and your auto passengers from the financial costs of injuries if you are hit by someone who does not have insurance or who does not have enough insurance. The availability of uninsured/underinsured motorist bodily injury coverage varies by state.
 
Both uninsured/underinsured motorist bodily injury coverage helps pay 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 enough insurance. It also helps protect you and your passengers if you’re struck by a “hit-and-run” driver who cannot be identified.
 

Limits for Uninsured Motorist Bodily Injury Coverage

To determine how much uninsured motorist coverage and underinsured motorist insurance you need, consider the amount of bodily injury liability insurance coverage you have. Generally, it makes sense to use that figure and get an equal amount of uninsured/underinsured motorist bodily injury coverage, so that you provide the same level of coverage for yourself and your passengers if you’re injured.
 

When Uninsured Motorist Bodily Injury 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/underinsured motorist bodily injury insurance to pick up the tab. If you didn't have enough coverage, you could be stuck paying those medical bills out of pocket or through your health insurer.
 

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Uninsured/Underinsured

Learn more about uninsured/underinsured in this video.