Uninsured motorist coverage is an option available under all automobile insurance policies. If the insured elects to purchase this coverage, the insurance company provides coverage to the insured for his or her claims for injuries and damages arising from a motor vehicle accident where the party at fault is either uninsured, or does not have enough insurance to provide full compensation for the injuries sustained.

It would not reimburse you for out of pocket medical expenses covered by your primary medical insurance. However, it is possible that you could be reimbursed if you had a deductible or coinsurance payment that you had to pay.