Auto Insurance Cover - Uninsured and Underinsured Motorist

Auto Insurance cover also includes damages incurred on the insured as a result of accidents caused by uninsured or underinsured persons. The insured’s cover will take care of the costs that the other person cannot cover, for example medical expenses. The covers are as follows:

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 ·       Uninsured motorist bodily injury – This covers the insured, the members of the insured’s household and passengers for bodily injuries, damages or death caused by a driver who is not insured. It also applies to hit-and-run incidences. The insured’s policy will cover all medical expenses and within the limit of the policy.

·       Underinsured Motorist Bodily Injury – This covers the insured, the members of the insured household and passengers for bodily injuries, damages or death due to negligence of an underinsured person (has insufficient insurance). Should the coverage of the underinsured person not meet the insured’s damages, the policy of the insured will cover the difference up to the limit in the policy. The cover will pay the difference between what the under insured’s cover and the bodily injury cover. If the accident’s costs exceed the limits on the insured’s cover, one will be have to cover the difference on their own.

·       Uninsured Motorist Property Damage – This covers an insured’s car when property damage is caused by a negligent uninsured party. If one does not have a Collision cover, this cover pays for repairs to a certain extent. If one has Collision cover, then this cover pays for collision deductible amount. The amounts and conditions vary in different states. However, the cover cannot replace Collision coverage.

·       Underinsured Motorist Property Damage – This covers an insured’s property when damage if caused by a negligent underinsured party whose limits are unable to cover the costs of damages sustained. If one does not have a Collision cover, this cover pays for repairs to a certain extent. If one has Collision cover, then this cover pays for collision deductible amount. The amounts and conditions vary in different states. The cover cannot replace Collision coverage.

 

 

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