Underinsured/Uninsured Motorist Bodily Injury
What is it?
Uninsured/Underinsured Motorist Bodily Injury coverage pays for costs associated with injuries to you and other people in your vehicle resulting from a covered incident caused by a driver with no insurance or not enough insurance. This coverage has two parts (e.g. $50,000/$100,000) – the first number represents the maximum amount we will pay per person in a single covered incident; the second number represents the maximum amount that we will pay per covered incident regardless of the number of injured parties.
Do I need it?
Generally, it’s a good idea. In fact, many states require that you sign a waiver to reject this coverage.
What is NOT covered?
Costs associated with damage to your own property resulting from an incident caused by an uninsured or underinsured driver
Tom was rear-ended by Jim. Tom injured his neck as a result of the accident. Jim does not have insurance. Tom's UM coverage pays for his medical expenses. Tom’s having a bad month.