What is uninsured motorist coverage?
There are two types of Uninsured Motorist Coverage: • Uninsured Motorist Bodily Injury Coverage protects you and the occupants of your vehicle for bodily injury up to your auto insurance policy limits as a result of an accident with a legally liable uninsured motorist or “hit and run” driver. • Uninsured Motorist Property Damage protects your property up to your car insurance policy limit for property damage that results from an accident with a legally liable uninsured motorist or “hit and run” driver. These coverages are not available in all states and are sometimes subject to a deductible.
Uninsured motorist coverage is insurance coverage that protects you if you are involved in an accident with a motorist who has no insurance or if you are struck by a hit-and-run driver who is never located. Uninsured motorist coverage is available in the same amounts as regular liability insurance coverage.
