What is Uninsured motorist coverage or Underinsured motorist coverage?
Uninsured motorist bodily injury coverage is insurance that you, “the insured,” purchase to protect yourself and passengers in your car from bodily injury caused by a person who is not insured (or who is underinsured – meaning they do not have enough bodily injury liability to cover the expenses sustained). Uninsured motorist property damage coverage is insurance that you purchase to protect the value of your car from loss or damage caused by a person who is not insured (or who is underinsured – with not enough property damage liability to pay for your vehicle). Uninsured/Underinstured motorist property damage coverage will only cover up to the current value of your car (NADA), but will not pay any more.
