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Uninsured Motorist Bodily Injury Coverage covers a victim's medical expenses, lost wages, and other injury related expenses in an instance where the other driver is not insured. This coverage applies only if the other party is found to be at fault for the incident.
Uninsured/underinsured motorist coverage is not required in Virginia, but drivers who have it on their policy must ensure coverage limits are in compliance with the new liability limit laws.
The coverage typically matches your liability limits – so if you have $50,000 in liability coverage, you'd get up to $50,000 in uninsured motorist protection. Medical payments coverage
Without uninsured motorist coverage, you could be forced to pay for your medical bills and vehicle repairs if the at-fault driver is unable to do so. Uninsured motorist coverage typically comes in ...
Uninsured/Underinsured coverage, also known as UM/UIM, provides coverage if an at-fault party either does not have insurance, or does not have enough insurance. In effect, the insurance company pays the insured medical bills, then would subrogate from the at fault party. This coverage is often overlooked and very important.
In some states, minimum coverage car insurance also includes PIP and uninsured motorist coverage, which can help pay for your injuries in a variety of scenarios. It’s also important to note that ...
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