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You should purchase uninsured/underinsured motorist coverage to
protect yourself against
uninsured drivers.
The uninsured motorist bodily injury coverage will pay for medical bills and pain and suffering
if you are hit by an uninsured driver.
The uninsured motorist property damage coverage will pay for property damage if
you are hit by an uninsured driver.
As of August 2004, uninsured motorist property damage is available in these states:
Alaska, Arkansas, California, Colorado, Delaware, District of Coulmbia, Georgia,
Illinois, Indiana, Iowa, Louisiana, Maryland, Mississippi, New Jersey, New Mexico,
North Carolina, Ohio, Oregon, Rhode Island, South Carolina, Texas, Tennessee, Utah,
Virginia, Vermont, Washington, and West Virginia.
In some states, both uninsured and underinsured motorist bodily injury are bundled into a single coverage. In the states where this type of auto insurance coverage offered, it may be mandatory.
This kind of auto insurance coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who doesn't have enough car insurance, or who completely lacks auto insurance coverage. This type of auto insurance coverage also pays for injuries sustained in hit-and-run accidents.
The amount covered by uninsured/underinsured motorist bodily injury is limited to the limit you choose when you buy your auto insurance policy.
Please read our coverage definitions for more detail.
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