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Q

Will my uninsured/underinsured motorist coverage pay for pain and suffering?


A

It matters what state you are in and your policy declarations, so you have to refer to your policy for specific coverage definitions. But uninsured and underinsured motorist coverage typically will compensate you for not only the out-of-pocket expense of your injuries, but for your pain and suffering as well.

Underinsured Motorist Bodily Injury covers you, the insured members of your household and your passengers for injuries, damages or death caused by the negligence of a person with insufficient insurance. If you have an accident with a person whose coverage cannot meet your damages, your policy will meet the difference-up to the limit of liability listed on your policy.

Uninsured Motorist Bodily Injury covers you, the insured members of your household and your passengers for bodily/personal injuries, damages or death caused by an at-fault uninsured or hit-and-run driver. If you are involved in an accident where the other driver is at fault but has no insurance, your policy will cover your medical expenses, up to the limit on your policy.

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3 Responses to "Will my uninsured/underinsured motorist coverage pay for pain and suffering?"
  1. Anonymous

    My car was totaled on July 3, 2008. I have full coverage. My passenger received a settlement and Id like to know why I was never offered a settlement. The wreck was my fault, but in the state of KY there is a "no fault" clause. I was taken to the hospital by ambulance and luckily for me the only thing that really beat me up was the air bag. I have a scar on my left forearm, and I also have whiplash. The main thing that concerns me is the post traumatic stress. Why was I not offered anything for my pain and suffering? I really need to know the answer to this before I hire an attorney.

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  2. Anonymous

    Is this the kind of insurance that covers damages caused in my car by other vehicle that was gone from the accident place, without leaving oportunity to take its tag number?

      Reply»  
  3. Anonymous

    I was looking for the answer to that question because I have underinsured and was in a car wreck and it was the other person fault and he did not have enough insurance to cover all of my medical bills and the surgeries that I wil need to have. This information really helped me now i know and sometime you no that some lawyers are in it for the money and not always honest so this is important information to me!

      Reply»