The uninsured motorist bodily injury car insurance policy provides coverage for the policyholder, the listed members of the household, and the passengers in the car. This protection is for the bodily or personal injuries, the damages, or even death that had been caused by an uninsured person who had been at fault or by a hit-and-run driver. If an accident occurs and the other driver who had been at fault does not have any insurance, the policy would cover the medical expenses of all the injured persons covered by the policy. Hence, this policy is quite a useful one. The limit of coverage under this policy would be the maximum amount that the insurance company would pay per incident and per person, respectively.
What is the difference between uninsured motorist bodily injury car insurance policy and underinsured motorist bodily injury car insurance policy?
The underinsured motorist bodily injury car insurance policy is similar to the uninsured motorist bodily injury car insurance policy in all aspects. The difference is that the other person involved in the accident would be a person with insufficient insurance, instead of not having any insurance. If the insurance coverage of that person is not able to meet the damages occurred to the policyholder, this policy would contribute the difference, up to the limit of the policy coverage.