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.
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.