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 Uninsured motorists coverage not only insures against the
"Uninsured motorist" but also protects policy owners against the "Under insured
motorist". Uninsured motorist is optional; However, it is recommended that
it be added to a policy in the best interest of the insured.
Uninsured motorist coverage consists of two parts:
Uninsured Motorist Bodily Injury
Uninsured motorist bodily injury protects an insured from
bodily injury caused by an uninsured driver up to the policy limits. (Typically
ranging from $15,000 per person and up)
There are three groups that can be covered under the
Uninsured Motorist provision:
This coverage also applies to injuries sustained while an
individual or members of his or her household are injured as pedestrians by an
insured motorist.
Uninsured motorist bodily injury coverage also provides
coverage for UNDERINSURED motorist. This protection provides that if an
individual is in an accident and the at fault person is underinsured to pay the
total damages, that protection will pay up to the uninsured motorist coverage
policy limits if it exceeds the at fault driver's liability insurance limits.
Coverage includes:
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Medical Payments
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Lost Wages
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Pain and Suffering
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Loss of Consortium
Uninsured motorist bodily injury coverage pays only what one
would have been entitled to had the other driver been properly insured;
Therefore, the other driver (the uninsured driver) must have been liable in
order for one to collect.
Uninsured Motorist - Bodily Injury
Uninsured motorist property damage pays the insured for
property damages that one would have been entitled to had the other driver been
properly insured up to the policy limits. Usually $3,500 if the policy
does not include Comprehensive and
Collision auto insurance coverage but can vary. If the policy does include
it coverage, then the deductible will be waived and the
property damages would fall under Collision coverage with no deductible.
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