Uninsured Underinsured Motorist

Uninsured/Underinsured Motorist coverage

Liability coverage covers your legal liability for a covered accident that involves injury to another person or damage to property, up to the limit of liability you select.

Uninsured Motorist coverage

When the person at fault for an accident does not have motor insurance, Uninsured Motorist coverage will cover damages you, the insured members of your household, and your passengers incur that the at-fault party is legally liable for. Uninsured Motorist Bodily Injury coverage will cover medical treatment and lost wages up to the limits you select.

If the driver or owner of a vehicle is legally liable for an accident but does not have insurance, you can use Uninsured Motorist Property Damage (UMPD) to cover damage to your insured auto, up to the limits you select.

Underinsured Motorist coverage

If your injury expenses exceed the at-fault party’s Liability limits, you can use Underinsured Motorist Bodily Injury coverage to pay for the amount not covered by the at-fault person’s insurance. Underinsured Motorist coverage is designed to cover the gap between the other person’s Liability limits and the amount of your injury expenses, up to the Underinsured Motorist limits you select.