Provides coverage to you, family members, and other occupants against bodily injuries and death due to accident by driver with low insurance
Auto insurance coverage which pays for an insured's injuries up to the policy limit when the legally liable third party has insufficient limits to cover the insured's injuries. This coverage is not available in all states and can be rejected.
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 capped at the limit you choose when you buy your auto insurance policy.