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Uninsured motorist bodily injury coverage pays for medical expenses, lost wages, and other general
damages when policyholders, authorized drivers, or passengers are injured in an accident caused by a driver who has no auto insurance. Uninsured motorist coverage may also pay for injuries sustained in hit-and-run accidents. Covered costs are subject to the limits you choose when you buy auto insurance. Underinsured motorist bodily injury coverage pays for
similar expenses when the accident is caused by a driver who has insufficient auto insurance coverage.
These coverages are available in most states. Many states require to purchase one or both of these coverages as part of your policy. In some states, these coverages are offered together as a single package.
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