01.Core Concepts

Uninsured motorists coverage is another approach for compensating injured auto accident victims Under U M coverage, motorists have some protection against an uninsured driver Claim settlement is faster and more efficient than a tort liability lawsuit The limits are relatively low, so the accident victim may not be fully compensated for his or her loss The injured person must establish that the uninsured motorist is legally liable for the accident Property damage is not covered in most states