What is uninsured motorists insurance?

Uninsured motorist coverage is a type of first-party auto insurance that compensates one if he/she is injured in a collision due to the negligence of someone else who does not have bodily injury liability coverage. Essentially, it pays the same sort of damages as the at-fault party's bodily injury liability coverage would have paid if it existed. It only pays for compensable bodily injuries--not property damage.

In many States, uninsured motorist coverage must be offered in the same amount as one's liability coverage. However, the insured usually has the right to select lower limits or reject it altogether.