Uninsured and underinsured coverage can be for property damage or bodily injuries. It is usually the latter so we will define it here. If you are interested in the property damage aspect of this coverage you can visit our Learning Center for not only this explanation but more detailed descriptions of other coverage definitions.

Uninsured/Underinsured bodily injury coverage helps to pay for your medical expenses should you or your passengers be injured by a driver with either no insurance (uninsured) or inadequate bodily injury insurance to cover your claim.

The definition for No Fault insurance can differ depending on what state you reside in. A basic definition is that No Fault is a type of insurance intended to provide compensation for motor vehicle accident victims regardless of who is to blame for the incident by being paid basic damages by the company that insured the vehicle in which they were driving. Damages are usually restricted to the actual medical bills and necessary expenses up to your specified limit.

Certain states have embraced the No Fault system to try and curtail lawsuits. This is done by in most No Fault states your right to sue is prevented or extremely limited unless there are serious injuries or death resulting from the accident.