Uninsured/Underinsured motorist bodily injury coverage is optional in this state. The limits you select for this coverage cannot exceed your bodily injury limits. Also, if you choose to have this coverage apply to multiple cars, you must select the same limit for each car.

What's covered?
If the covered individuals are injured in an accident caused by a driver who has no insurance or insufficient coverage, compensatory damages that a policyholder is entitled to receive, will be covered.

Who's covered?

• Policyholder
• Other authorized policy member
• Passengers

How much protection does this coverage provide?
The dual coverage limits you see in your quote refer to the maximum amount that will be paid per person, per incident, respectively.

If the other driver is uninsured, this coverage can generally pay up to the limit you purchase. If the driver is underinsured, this coverage typically pays the difference between what's covered by the other driver's insurance and what's covered by your bodily injury coverage.

If the limits you purchase are lower than an accident's costs, you'll be responsible for paying the amount over your limits, unless you're covered by health insurance.

Who might benefit from buying uninsured/underinsured motorist bodily injury coverage?
Individuals without health insurance may benefit from this coverage, because if the limits chosen are inadequate, you'll be responsible for paying the additional amount.