Esurance Auto Insurance Glossary: U & V

Underinsured Motorist Bodily Injury Coverage
Underinsured motorist bodily injury coverage is available in some states, where it's often mandatory.
This type of auto insurance coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto insurance coverage.
This kind of auto insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit.
The amount covered by underinsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.
Underinsured Motorist Property Damage Coverage
Underinsured motorist property damage coverage is available in some states, where it's often mandatory.
This type of auto insurance coverage protects you if your car is damaged in an accident caused by a driver who has insufficient auto insurance coverage. Other specific protection afforded by this type of auto insurance coverage varies from state to state.
This kind of auto insurance coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit.
The amount covered by underinsured motorist property damage is capped at the limit you choose when you buy your auto insurance policy.
Uninsured Motorist Bodily Injury Coverage
Uninsured motorist bodily injury coverage is available in some states, where it's often mandatory.
This kind of auto insurance coverage pays for your medical expenses, lost wages, and other general damages when you or your passengers are injured in an accident caused by a driver who has no car insurance. Uninsured motorist coverage also pays for injuries sustained in hit-and-run accidents.
The amount covered by uninsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.
Uninsured Motorist Property Damage Coverage
Uninsured motorist property damage coverage is available in some states, where it's often mandatory.
This kind of auto insurance coverage protects you if your vehicle is damaged in an accident caused by a driver who has no car insurance. Other protection afforded by this type of auto insurance coverage varies from state to state.
The amount covered by uninsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy. In some states, you'll need to pay a deductible each time you file an auto insurance claim.
Uninsured/Underinsured Motorist Bodily Injury Coverage
In some states, both uninsured and underinsured motorist bodily injury are bundled into a single coverage. In the states where this type of auto insurance coverage offered, it may be mandatory.
This kind of auto insurance coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who doesn't have enough car insurance, or who completely lacks auto insurance coverage. This type of auto insurance coverage also pays for injuries sustained in hit-and-run accidents.
The amount covered by uninsured/underinsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.
VIN
The VIN, short for Vehicle Identification Number, is the unique 17-digit number found on every car. The VIN contains the vehicle's serial number, as well as abbreviations for the make, model, and year.
The VIN appears on your vehicle registration card. It's also engraved in your car, near the base of the windshield on the driver's side dashboard and/or on the edge of the driver's side door.
Though you don't need to enter your VIN when you get an auto insurance quote from Esurance, you will need to provide your car's VIN when you buy your auto insurance policy.