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Uninsured Motorist Bodily Injury Protection
*NOTE* Any add on policy option will have additional costs. Uninsured motorist bodily injury coverage will pay for you, people living in your household, and passengers in your car for the bodily or personal injuries, damages, or death caused in an accident with a driver who doesn’t have auto insurance. It will also cover the expenses caused by a hit-and-run driver. If you are involved in an accident where the other driver is at fault but has no insurance, your policy will cover your medical expenses, up to the limit on your policy.
How Uninsured Moterist Bodily Injury Protection Works
Uninsured motorist bodily injury coverage will protect the policyholder, as well as other drivers covered by the holder’s policy, such as other people living in the policyholder’s household. Passengers in the policyholder’s car will also be covered when the driver at fault doesn’t have auto insurance.
This coverage will pay as much as the limit specified in your uninsured motorist bodily injury coverage policy, as long as the other driver involved in the accident is uninsured, and was responsible for the accident. The limits specified by the policy will refer to the maximum amount of coverage available for each person, then per incident, respectively. For example, (50/100) would indicate coverage of $50 thousand per person, and up to $100 thousand per accident.
This coverage is important for any driver on the rode, especially when passengers are involved. When your passengers do not have health insurance, uninsured motorist bodily injury protection will be especially beneficial, because if the cost of health care is higher than the limit of the policy, the driver will be responsible for covering the additional costs.
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