What coverage does the Uninsured Automobile endorsement provide?

The Uninsured Automobile endorsement provides both bodily injury coverage and property damage coverage. This means that if you are involved in an accident with a driver who does not have insurance, you are protected against financial losses related to personal injuries and damages to your vehicle or property.

Bodily injury coverage is significant as it can help pay for medical expenses, rehabilitation costs, and any lost wages that result from injuries sustained in the accident. Property damage coverage helps cover the costs of repairing or replacing your vehicle or other property that may have been damaged in the accident. Overall, this endorsement is designed to protect you fully from the risks associated with being involved in a collision with an uninsured driver, encompassing both types of coverage.

This comprehensive protection underscores the importance of having this endorsement as part of an auto insurance policy. It ensures that you are not left vulnerable to financial loss when involved in an incident with someone who lacks insurance.