Uninsured Motorist & Underinsured Motorist Coverage

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Several coverages can help protect you if you are hit by someone who doesn't have insurance, or doesn't have enough insurance. Here's how these coverages generally work (keeping in mind that policies and the law vary by state):

Uninsured Motorist Bodily Injury

This may pay for damages when a covered person is injured and the person at fault for the accident does not have liability insurance.

Underinsured Motorist Bodily Injury

This may pay for damages when a covered person is injured and the person at fault for the accident does not have enough liability insurance.

Uninsured/Underinsured Motorist Property Damage

This may pay for damages when a covered vehicle is damaged and the person at fault for the accident does not have liability insurance or does not have enough liability insurance.

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