Uninsured Motorist Coverage

This coverage is optional for the insured and offers compensatory damages payments to an insured who is injured through a motor vehicle accident with an uninsured motorist.

Other than compensatory damages, such as punitive damages are excluded, and are not covered by the policy.

A key element of the uninsured motorists coverage insuring agreement is that the operator or owner of the uninsured motor vehicle must be legally responsible to pay for the insured’s damages.