Uninsured & underinsured motorist

Uninsured motorist coverage

Uninsured motorist coverage pays for medical treatment, lost wages, and other damages if a driver who has no insurance hits you. If your uninsured motorist coverage includes property damage, then your cycle would also be covered under the same circumstances. Check with our staff to see if property damage is included or needs to be purchased separately.

Underinsured motorist coverage

Underinsured motorist coverage is similar to uninsured motorist coverage, except it applies when the other party has lower coverage limits than you do and damages exceed the other party's limits.