What is uninsured or underinsured motorist coverage?
A. Uninsured or underinsured motorist coverage is coverage that you can elect on your automobile policy that in the event the person that was negligent in the accident is uninsured or underinsured, you can then pursue a claim against your insurance company for damages. Everyone should buy this coverage to protect themselves from uninsured drivers.
Uninsured or underinsured motorist coverage is coverage that you can elect on your automobile policy that in the event the person that was negligent in the accident is uninsured or underinsured, you can then pursue a claim against your insurance company for damages. Everyone should buy this coverage to protect themselves from uninsured drivers.
Uninsured coverage will reimburse you, a member of your family or a designated driver for medical expenses, lost wages and other injury-related losses if one of you is hit by an uninsured or hit-and-run driver. Underinsured motorist coverage pays you for damages that are more than the amount of coverage carried by a driver who has insufficient insurance to pay for your total loss. Return to index . . .
Uninsured or underinsured (UM) motorists coverage pays for your injuries when the person at fault for the accident has inadequate insurance to pay for your medical bills and other costs associated with your injury. UM coverage also applies if you are the victim of a hit and run driver. Usually limited to bodily injury, this type of insurance does not cover damage to your vehicle or other property. For this type of protection from uninsured or underinsured motorists, you must have collision coverage on your policy.
