Auto Insurance Coverage: Uninsured Motorists Coverage and Underinsured Motorists Coverage
While you must feel safer on the road knowing you've insured your vehicle, it's a scary thought to realize that other drivers out there may not have done the same. You can be even more comfortable if you've selected uninsured motorists and underinsured motorists coverage.
Uninsured Motorist Coverage covers:
- Injury expenses incurred by you, your family members or passengers due to an accident with an uninsured motorist.
- This coverage applies even if you are a pedestrian hit by an uninsured motor vehicle.
Underinsured Motorists Coverage helps when the other driver is found legally responsible for an accident but has insufficient car insurance coverage to cover the expenses for injuries to you, your family members or passengers.
Protect your vehicle too
Uninsured Motorists Coverage varies by state. In most states, this coverage applies only to bodily injury. However, in some states you can add uninsured motorist property damage coverage to your policy as well. Make sure to ask your Travelers representative about the coverages available in your state.
An Example of How Uninsured Motorists Coverage Works:
A driver with no insurance rear-ends your car while you sit at a red light. As a result, your car has $1,000 in damages and you have neck pain. After going to the Doctor your medical bill equals $200. You purchased Uninsured Motorist Coverage that included Uninsured Motorist Property Damage coverage. Your Uninsured Motorist Coverage limits are $20,000/$40,000/$15,000. The $1,000 in damage to your vehicle and the $200 in medical bills fall well within your limits and would be covered by your uninsured motorist coverage.
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Disclaimer
This description is for informational purposes only. All statements are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverages, terms and conditions, refer to the actual policy. Coverages and discounts are subject to individual insured meeting our underwriting qualifications and to state availability.
