What is uninsured or underinsured motorist bodily injury coverage?
In most states, driving without insurance is illegal. Unfortunately, that doesn't always stop motorists from doing so. That's why uninsured/underinsured motorist bodily injury coverage was created.
Uninsured/underinsured motorist bodily injury coverage pays for medical expenses, lost wages, and other general damages when policyholders, authorized drivers, or passengers are injured in an accident caused by a driver who has no auto insurance coverage or insufficient auto insurance coverage.
Covered costs for uninsured motorist coverage are subject to the limits you choose when you buy auto insurance. Uninsured motorist coverage may also pay for injuries sustained in hit-and-run accidents.
Covered costs for underinsured motorist bodily injury coverage are typically the difference between your coverage and the other driver's bodily injury coverage.
These coverages are available in most states. In fact, many states require you to purchase one or both as a part of your auto insurance policy. In some states, these coverages are offered together as a single package called uninsured/underinsured motorist bodily injury coverage and provide the protection described above.
Remember that you should purchase the highest limits you can comfortably afford in order to obtain maximum insurance protection. The low limits required in some states are typically not enough to protect you and your household. Hospitalization and wages lost during recovery can add up to thousands of dollars. Therefore, higher liability and uninsured motorist limits constitute an important protection.
If you're injured in an accident with an uninsured or underinsured driver, you shouldn't have to pay for his or her irresponsibility. Check the details on the types of uninsured/underinsured motorist coverage available in your state when you get your online auto insurance quote at Esurance today!
This page is intended to provide you with general information about car insurance and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.