Does uninsured motorist coverage provide insurance when Im in an accident with a driver who does not have insurance?
Yes. Uninsured motorist coverage for bodily injury covers you for injuries that you and your passengers sustain at the hands of an uninsured driver. Uninsured motorist coverage for property damage covers you for damage to your vehicle as a result of an accident with an uninsured driver. It also provides coverage for hit and run accidents where you are the victim. Some states require uninsured motorist coverage for bodily injury. In other states uninsured motorist liability coverage includes both bodily injury and property damage. And in other states, you are allowed to waive uninsured motorist property damage if you have collision coverage.
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