|
Uninsured/Underinsured Motorist Bodily Injury Coverage
The limits for this coverage cannot exceed the limits you select for your bodily injury coverage. Also, if you want to carry this coverage on multiple vehicles, the limits must be the same for each vehicle.
If you’re injured in an accident caused by a driver who has no insurance coverage, uninsured motorist bodily injury coverage covers the following expenses:
- Medical expenses
- Lost wages
- Other general damages
- Injuries sustained in hit-an-run accidents
Uninsured motorist bodily injury provides coverage to the policyholder, authorized policy members, and passengers.
Uninsured/Underinsured Motorist Property Damage
If you choose to carry this coverage, you must also purchase uninsured/underinsured motorist bodily injury coverage. This coverage cannot be carried on policies that have collision coverage. Also, if you want to carry this coverage on multiple vehicles, the limits must be the same for each vehicle.
Uninsured/Underinsured motorist property damage coverage protects your car if it’s damaged in an accident caused by a driver who has insufficient or no insurance coverage.
How much protection does this coverage provide?
If the at-fault driver is uninsured, this coverage pays up to the limit you select. If the driver is underinsured, this coverage pays the difference between your coverage limit and the driver’s property damage coverage limit.
The coverage limit you see in your quote refers to the maximum amount that will be paid per incident.
If you file a claim that requires uninsured motorist property damage coverage, you’ll be required to pay a $250 deductible. A deductible is the portion of damages you’re responsible for paying in the event of an accident.
Who might benefit from buying uninsured/underinsured motorist property damage coverage?
If you’re involved in an accident where the at-fault motorist has insufficient or no liability coverage, uninsured/underinsured motorist property damage will help you avoid paying for additional expenses out-of-pocket.
Medical Payments
Medical payments coverage pays for medical and dental treatment, hospitalization, professional nursing services, prostheses, and funeral expenses if a covered driver and/or accompanying passengers are injured while in an insured vehicle, regardless of who is at fault in the accident.
Medical payments may also cover policyholders and their family members when they're injured while riding in someone else's car or if a car hits them while on foot or bicycling.
If you and your regular passengers already have health insurance that covers similar expenses, medical payments coverage may be unnecessary. Check your health insurance policy for details.
How much protection does this coverage provide?
The coverage limit refers to the maximum amount that will be paid per person, per accident.
| 
