What Does Your Part-C Cover?

WHAT DOES YOUR PART-C (PERSONAL AUTO POLICY UNDERINSURED MOTORIST COVERAGE) COVER?

PART-C, your uninsured motorists coverage focus on four questions:

What's covered: It provides uninsured motorists coverage (and underinsured motorists coverage in most states) where the insurance company agrees to pay for damages that an insured is legally entitled to receive from the owner or from the operator of an uninsured vehicle due to bodily injury (as well as property damage in a few states) sustained by insured and caused by the accident. This coverage applies to claims for medical expenses, pain and suffering, lost wages, yet it doesn't apply to punitive or exemplary damages.The insurance company is not obligated to pay for the damages caused by the uninsured unless the owner or the operator of the uninsured vehicle is legally responsible.
For the purpose of Part-C, an uninsured vehicle is not only one without insurance, it also includes;

One with liability limits lower than the applicable state law requirements
One driven by a hit-and-run driver
One whose insurance company denies coverage or becomes insolvent

What exclusions apply: Uninsured motorist coverage excludes uninsured motorist if an insured is injured while occupying or struck by an auto that is owned by the insured but is not insured under the policy.
Who are the insured: The named insured, spouse, and any family member, as well as any other person who occupy a covered vehicle. Addition to this, anybody else who is entitled to recover damages because of bodily injury to any of the previously mentioned persons in an insured.
What happens when other insurance covers a claim: If more than one policy provides coverage, the recovery under all policies may not exceed the highest limit for any one vehicle under any one of the policies.