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.
Uninsured/Underinsured Motorist Bodily Injury
If you choose to have uninsured/underinsured motorist bodily injury on your policy and you want it to apply to multiple cars, you must select the same limit for each car. Also, the limits you choose must be less than, or equal to, your bodily injury limits.
If the covered individuals are injured in an accident caused by a driver who has no auto insurance or insufficient coverage, entitled compensatory damages will be covered.
Uninsured/underinsured motorist bodily injury provides coverage to the policyholder, authorized policy members, and passengers.
How much protection does this coverage provide?
The dual coverage limits you see in your auto insurance quote refer to the maximum amount that will be paid per person, per incident, respectively.
If the other driver is uninsured, this coverage can generally pay up to the limit you purchase. If the driver is underinsured, this coverage typically pays the difference between what's covered by the other driver's insurance and what's covered by your bodily injury coverage.
If the limits you purchase are lower than an accident's costs, you'll be responsible for paying the amount over your limits, unless you're covered by health insurance.
Uninsured Motorist Property Damage
If you want to carry this coverage on multiple vehicles, the limits must be the same for each vehicle.
Uninsured motorist property damage coverage protects a policyholder whose vehicle is damaged in an accident involving a driver who has no insurance coverage.
How much protection does this coverage provide?
If the other driver involved in an accident is uninsured, this coverage pays up to the limit you purchase. The coverage limits you see in your quote refer to the maximum amount that will be paid per incident. Check your policy for specific details referring to any deductible for this coverage.
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