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Does uninsured motorist insurance cover bodily injury?
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It can. But, if you have uninsured motorist insurance, it doesn’t necessarily mean you’ll enjoy bodily injury liability protection.
Some car insurance companies don’t split their uninsured motorist coverage into two categories, namely bodily injury and property damage. So, if you’re a customer of one of these carriers and you have uninsured motorist liability insurance, you’ll automatically receive bodily injury insurance.
However, if your insurer divides its uninsured motorist coverage between bodily injury and property damage (as most do), you’ll need to be sure you signed up for bodily injury coverage. Otherwise, you won’t receive that type of protection – not something you want to find out after an auto accident.
It can also pay for considerations like lost wages as a result of the injuries sustained. But, this insurance doesn’t cover repair costs for your car; that’s for uninsured property damage insurance.
Some car insurance companies don’t split their uninsured motorist coverage into two categories, namely bodily injury and property damage. So, if you’re a customer of one of these carriers and you have uninsured motorist liability insurance, you’ll automatically receive bodily injury insurance.
However, if your insurer divides its uninsured motorist coverage between bodily injury and property damage (as most do), you’ll need to be sure you signed up for bodily injury coverage. Otherwise, you won’t receive that type of protection – not something you want to find out after an auto accident.
What Does Uninsured Bodily Injury Insurance Cover?
As the name implies, this type of auto insurance covers the costs of medical expenses (up to your policy limits) for injuries you or your passengers suffer as a result of being in a car accident caused by an uninsured driver.It can also pay for considerations like lost wages as a result of the injuries sustained. But, this insurance doesn’t cover repair costs for your car; that’s for uninsured property damage insurance.
Is Uninsured Bodily Injury Insurance Required?
Because of the concern about being their residents being in car accidents caused by uninsured drivers, many states require their drivers to have uninsured bodily injury protection. You can learn more by visiting your state's DMV site.Post Comment for "Does uninsured motorist insurance cover bodily injury?"
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