Uninsured motorist bodily injury coverage is available in some states where it is often mandatory.
This kind of auto insurance coverage pays for medical expenses, lost wages, and other general damages when you, or your passengers, are injured in an accident caused by a driver who has no car insurance. Uninsured motorist coverage also pays for injuries sustained in hit-and-run accidents. Be sure to file a Police Report, most policies require it.
The amount covered by uninsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.