Uninsured Auto
What is an Uninsured Automobile?
An uninsured automobile is one for which neither the owner nor driver has liability insurance to cover bodily injury or property damage arising out of its ownership, use or operation, or the insurance is not collectable.
What is an Unidentified Automobile?
An unidentified automobile is one whose owner or driver cannot be determined.
What Is Covered
- Claims by You or Other Insured Persons for Bodily Injury
We will pay any amounts you or other insured persons have a legal right to recover as damages from the owner or driver of an uninsured or unidentified automobile for bodily injury resulting from an accident involving an automobile, up to the limits in this section.
- Claims by Others for Bodily Injury or Death
We will pay any amounts any person has a legal right to recover as damages from the owner or driver of an uninsured or unidentified automobile for bodily injury or death of an insured person in an accident involving an automobile, up to the limits in this section.
- Claims for Certain Property Damage
We will pay for damage to and for loss of use of the automobile or its contents, or both, which you or other insured persons have a legal right to recover from the identified owner or driver of an uninsured automobile in an accident involving an automobile. Subject to the $300 deductible, we will pay up to $25,000.
**Note: Damage to the automobile caused by an unidentified automobile is not covered under this section, but optional Loss or Damage Coverage may be available.
This is a brief overview only, please see policy wordings for detail, or contact us
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Email: customer-service@dodgson-insurance.com
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