Uninsured Motorist Bodily Injury

In the instance that you are injured by a hit-and-run driver or an uninsured driver, the uninsured motorist bodily injury portion of your insurance policy covers medical expenses and death related expenses for the following people involved in a collision:

• You, the policyholder
• Other drivers covered by your insurance policy
• Any other passengers who were in your car and were injured

Your uninsured motorist bodily injury coverage will equal the coverage you have for bodily injury liability. For example, if your bodily injury liability coverage is $25,000 per person with a $50,000 total per accident, you will also have $25,000/$50,000 for your uninsured motorist bodily injury coverage.

Uninsured motorist bodily injury is not required for drivers, but with the number of uninsured drivers on the road, getting uninsured motorist bodily injury coverage is a smart idea. Also, there are many dishonest drivers who hit cars that are parked on the street or in a parking lot that do not stop to leave notes with their insurance information. Damage caused by this type of hit-and-run would be covered by uninsured motorist bodily injury coverage.

You should check with your health insurance to see if the same medical expenses would be covered so you do not purchase redundant coverage under both your health and car insurance.