Connect the policy to actual vehicle use
Uninsured and underinsured motorist requirements and available selections vary by jurisdiction. The review should consider who qualifies as an insured, covered vehicles, limits, stacking, rejection forms, and how the protection interacts with workers' compensation or other benefits.
Risks to review
- Accidents caused by uninsured, underinsured, or hit-and-run drivers
- Limits lower than the business expects
- State-specific selections, rejections, or stacking rules
- Unclear treatment of employees, passengers, and occupied vehicles
Information to prepare
- States of registration and operation
- Requested limits and existing selection or rejection forms
- Vehicle ownership, drivers, passengers, and employee travel
- Workers' compensation and other potentially applicable protection
Frequently asked questions
Is uninsured motorist coverage required everywhere?
Requirements and available options vary by state. Confirm current jurisdiction-specific rules and execute any required selection or rejection forms correctly.
Does it always cover vehicle damage?
No. Bodily injury and property damage treatment varies by jurisdiction and policy form. Review the actual coverage selected.
Coverage descriptions are general. Availability, eligibility, limits, deductibles, exclusions, and policy terms vary by vehicle, driver, operation, jurisdiction, and insurance market. Actual policy documents control.