Does Uninsured/Underinsured Motorist Coverage include compensation for pain and suffering?

Uninsured/Underinsured Motorist Coverage is designed to protect you when you are involved in an accident with a driver who either has no insurance or insufficient insurance to cover your damages. One of the key components of this coverage is that it can offer compensation not only for tangible losses, such as medical expenses and property damage, but also for non-economic damages, which include pain and suffering.

Pain and suffering represent the physical and emotional distress you may experience following an accident. When underinsured or uninsured coverage is in play, insurers can take into account the overall impact of the accident on your life, which includes how it affects your daily activities, mental well-being, and overall quality of life. Thus, if you are injured in an accident caused by an uninsured or underinsured driver, you typically have the right to seek compensation for both your economic and non-economic damages, making the answer affirmatively "Yes."