This coverage pays medical bills and funeral expenses for you or a passenger injured in an accident while riding in your vehicle. Coverage extends to you or a family member when riding as a passenger in someone else's vehicle or when struck by a vehicle insurance when on foot. Costs are covered up to the amount specified by the policy.
Fault or No-Fault
If you live in a no-fault state, your own insurance company indemnifies you for any loss or injuries to you, no matter who causes the accident. In general, no-fault can limit your right to sue to recover damages. Also, Personal Injury Protection (PIP) is generally required in no-fault states. PIP covers a broader range of medical costs than standard Medical Payments coverage. It covers lost wages and the replacement of the services of someone injured in a covered accident.
In states other than no-fault, the person at fault in the accident pays and may be indemnified by the insurance company. With a fault system, your right to sue is not restricted (nor is the other party's right to sue you). To find out more, contact your local Farmers insurance agent. It may be a statute not a regulation and a Farmers agent cannot comment on the law.
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Uninsured/Underinsured Motorist Coverage
Uninsured Motorist coverage covers you, insured members of your household and your passengers in an accident with a motorist who has no insurance or is underinsured. It also provides coverage if you're hit by a hit-and-run driver and applies to you and the insured members of your household, even as pedestrians. Coverage includes payment of medical costs, lost wages and pain and suffering. It is required in many states. This coverage typically covers any difference between what the other at fault driver's insurance covers and the costs of your bodily injuries, up to the limits of the policy.
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