Uninsured motorist
Applies when the at-fault driver carries no liability insurance. Some states also apply it to hit-and-run losses.
Underinsured motorist
Applies when the at-fault driver has coverage, but their limits do not cover your injuries or damage.
Bodily injury vs. property damage
Some states offer both forms; others offer only the bodily injury version. Your agent can confirm what is available where you live.
Required, offered, or optional
Depending on the state this coverage is mandatory, must be offered and rejected in writing, or is fully optional.
General educational information, not insurance advice or a quote. Coverage terms, availability and pricing are determined by the insurer and vary by state.
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