Even though liability coverage is advisable and often required, there are many people who do not buy insurance protection.
So, If an uninsured motorist causes an accident, you may not be able to recover any damages that you sustain.
However, If you purchase Uninsured Motorist Coverage, your auto insurance company will pay for the property damage and bodily injury caused by an uninsured motorist.
It will cover you, any family member, and anyone occupying a covered automobile.
The limits for this coverage are, usually the same limits that you selected for liability, although you can choose lower limits.
There are also times when a person who causes an accident has liability insurance, but your damages exceed the limits of that person’s coverage.
In some states, Under-insured Motorist Coverage is included in your Uninsured Motorist Coverage.
This means, in other states, you can purchase under-insured motorist insurance, which covers your excess losses up to the limit set forth in the policy.