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.