Uninsured Motorist & Underinsured Motorist
Uninsured Motorist Bodily Injury pays damages you are legally entitled to recover because of bodily injury or death caused by uninsured or hit-and-run motorists. It also covers amounts that exceed a negligent driver’s insurance, if your injuries exhaust his or her coverage limits and the limits of your coverage are higher. You must carry this coverage at the same limit as your Bodily Injury liability coverage unless specifically requested at a lower limit in writing.
In choosing an appropriate limit, you may want to consider your ability to meet your medical expenses and other financial obligations if you were injured in an automobile accident.
Uninsured Motorists Bodily Injury provides two limits of coverage. The first is the maximum amount we will pay for injury or death to any one person. The second figure is the maximum we will pay (regardless of the number of people involved) for injury or death stemming from a single occurrence.
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