Uninsured and Underinsured Motorist Coverage (UM)

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Learn more about uninsured and underinsured motorist coverage.

Underinsured Motorist Property Damage (UNDPD):

This coverage covers the property damage caused by a third party whose insurance coverage is not enough to pay for the damages to your property.
Uninsured Property Damage (UMPD):

This coverage pays for the costs to your property damage when the person responsible for the damage does not even have insurance.

Underinsured Motorist Bodily Injury (UNDUM):

This coverage covers you when are involved in an accident with someone who has insufficient insurance to pay for your physical injuries and mental anguish. Keep in mind this coverage will help kick in when third party’s liability limit is maxed out and it will cover you up to your specified liability limit. For example, if you are involved in an accident with someone who only has $50,000 bodily injury coverage and you require $90,000 to pay for your medical expenses and you have $100,000 in underinsured motorist bodily injury coverage, your policy will kick in the remaining $40,000.

Who Does UNDUM cover?

  • Name Insured
  • Additional policy members
  • Vehicle occupants at time of accident that are not listed on your policy

Uninsured Motorist Bodily Injury (UM):

This coverage covers you when you involved in an incident where someone causes an accident with you and drives off -more commonly known as a “hit-and-run”. If it is found such a driver has no insurance than your policy will pay for your hospital bills up to your specified policy limits.

Who Does UM cover?

  • Name Insured
  • Additional policy members
  • Vehicle occupants at time of accident that are not listed on your policy
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