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• Uninsured and Underinsured Motorist Coverage

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Uninsured and Underinsured Motorist Coverage legal definition: The purpose of uninsured and underinsured motorist coverage is to protect you – and all other family members who reside in your home – against drivers who either have no insurance or a limited policy that does not cover all of your medical and other expenses. In Pennsylvania, uninsured and underinsured motorist coverage is optional.

Uninsured and underinsured motorist coverage applies to you and members of your family in the event of a car accident no matter if you/they were:

• The driver

• A passenger

• A pedestrian

• A bicyclist

It should also be noted that uninsured and underinsured motorist coverage would come into play if you or a family member was injured or suffered property damage as a result of a hit and run driver.

Uninsured and underinsured motorist coverage limits vary, and pay for things like:

• Missed paychecks

• Medical bills

• Property damage

Sources:

https://www.dmv.org/insurance/uninsured-motorist-coverage.php 

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