Uninsured Motorists coverage is used to cover the insured for?

Uninsured Motorists coverage is used to cover the insured for?

• A. Bodily injury only
• B. Bodily injury and property damage
• C. Medical payments
• D. Liability

Answer: (A)

Uninsured Motorist coverage is intended to protect you when another driver who has no insurance or not enough insurance injures you. Its purpose is to pay for bodily injuries to you and your passengers resulting from that accident. It does not cover damage to your own vehicle or property (that’s handled by collision/other coverage, or by Uninsured Motorist Property Damage if you have that optional protection). It’s also separate from Medical Payments, which covers medical expenses regardless of fault, and from Liability coverage, which covers damages you cause to others. So the best description is that it covers bodily injury.

Uninsured Motorist coverage is intended to protect you when another driver who has no insurance or not enough insurance injures you. Its purpose is to pay for bodily injuries to you and your passengers resulting from that accident. It does not cover damage to your own vehicle or property (that’s handled by collision/other coverage, or by Uninsured Motorist Property Damage if you have that optional protection). It’s also separate from Medical Payments, which covers medical expenses regardless of fault, and from Liability coverage, which covers damages you cause to others. So the best description is that it covers bodily injury.