Auto insurance that protects you if you are injured by a driver who has no insurance. It covers your medical expenses, lost wages, and pain and suffering. Many states require or strongly recommend this coverage since roughly 13% of drivers are uninsured.
Related Terms
Bodily Injury Liability
Auto insurance coverage that pays for injuries you cause to other people in an accident where you are at fault. It covers medical bills, lost wages, pain and suffering, and legal defense costs. Most states require minimum bodily injury liability coverage.
Liability Coverage
Insurance that pays for bodily injury and property damage you cause to others. In auto insurance, liability coverage is required in almost every state. It does not cover your own injuries or vehicle damage — you need collision and comprehensive coverage for that.
Underinsured Motorist Coverage
Auto insurance that covers the gap when an at-fault driver has insurance but their limits are too low to fully cover your injuries or damages. This coverage kicks in after the other driver's policy is exhausted.