What does Uninsured Motorist Bodily Injury insurance cover?

What does Uninsured Motorist Bodily Injury insurance cover?

• A. Pays for property damage caused by an uninsured motorist
• B. Pays for bodily injuries caused by an uninsured motorist or a hit-and-run driver
• C. Pays for all damages regardless of the driver's insurance status
• D. Pays only for injuries to passengers

Answer: (B)

Uninsured Motorist Bodily Injury insurance specifically covers bodily injuries sustained by the insured or their passengers when involved in an accident with an uninsured motorist or a hit-and-run driver. This type of insurance provides essential financial support for medical expenses, lost wages, and other related costs resulting from injuries incurred in such accidents. The focus is placed on bodily injury, contrasting it with property damage coverage, which is a different component of auto insurance. This distinction is critical, as it emphasizes protection for injuries rather than damage to vehicles or other property. Therefore, the correct answer is rooted in its definition, addressing the scenario where the responsible party lacks adequate insurance coverage or flees the scene of the accident.

Uninsured Motorist Bodily Injury insurance specifically covers bodily injuries sustained by the insured or their passengers when involved in an accident with an uninsured motorist or a hit-and-run driver. This type of insurance provides essential financial support for medical expenses, lost wages, and other related costs resulting from injuries incurred in such accidents.

The focus is placed on bodily injury, contrasting it with property damage coverage, which is a different component of auto insurance. This distinction is critical, as it emphasizes protection for injuries rather than damage to vehicles or other property. Therefore, the correct answer is rooted in its definition, addressing the scenario where the responsible party lacks adequate insurance coverage or flees the scene of the accident.