It’s scary to realize that some drivers on the road have no insurance or have insufficient coverage. But when you have uninsured/underinsured motorist coverage, you’ll have protection even if you’re in an accident with one of those drivers.
Key points about coverage for uninsured/underinsured motorists:
- 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 you can usually add uninsured/underinsured motorist property damage coverage to your policy as well. Ask your Bennett & Porter representative about the coverages available in your state.