Uninsured/Underinsured Motorist Insurance Coverage
Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage.
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Text, What Is Uninsured and Underinsured Motorists Coverage?
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Uninsured or underinsured motorist coverage. You might have heard of it, but what is it?
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Picture this. You're driving around town, running errands.
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On your way home, you're injured. When another driver rear-ends your car and doesn't have insurance or doesn't have enough insurance to cover your damage, that's what uninsured or underinsured motorist coverage is for. Generally,
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this coverage can help pay for damages and medical costs to you, your family members, and your passengers from an accident caused by someone who has no insurance or not enough insurance. It can also provide coverage if you're a pedestrian and are hit by an uninsured driver. Requirements
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for uninsured and underinsured motorist coverage vary by state. So be sure to discuss your needs with your Travelers representative. For more information, go to travelers.com.
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Logo, www travelers dot com. Text, The information in this video is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions, and limits of the actual policy. Nothing in this video alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits discounts and deductibles are subject to state availability and to individuals meeting our underwriting criteria. Not all features available in all states. Insurance is underwritten by The Travelers Indemnity Company and its property causality affiliates, One Tower Square, Hartford CT. In TX, Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumer County Mutual Company (CCM). CCM is not a Travelers Company. In CA: Auto Insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority #6519; State of Domicile: CT and Travelers Property Casualty Insurance Company. Certificate of Authority #6521; State of Domicile: CT. In WA: Automobile Insurance is underwritten by The Standard Fire Insurance Company. Underwriting companies in CA and WA are located at One Tower Square, Hartford, CT 06183. Copyright 2022 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademark of The Indemnity Company in the U.S and other countries.
What Is Uninsured/Underinsured Motorist Coverage?
It's scary to realize that some drivers on the road either have no insurance or don’t have sufficient coverage. Uninsured/underinsured motorist coverage can offer protection if you're in an accident with one of those drivers.
As long as you've chosen sufficient limits on the policy, uninsured/underinsured motorist coverage can cover your medical bills and bodily injury resulting from an accident with someone who does not have sufficient insurance.
Coverage extends to you, your family and your passengers. As a pedestrian, if you are hit by an uninsured driver, you can be covered.
The requirement for uninsured motorist coverage varies by state. In most states, it applies only to bodily injury coverage, but where available, you can usually add uninsured/underinsured motorist property damage coverage to your policy as well.
Ask your Travelers representative about the coverages available in your state.
Other Standard Coverages
Personal Injury Protection (or No-fault Insurance)