This coverage can help protect an insured when he is involved in an accident with another driver who is found to be at fault for an accident but has no liability insurance.  There are two separate uninsured motorist coverages that an insured can purchase – bodily injury (medical payments) and property damage.  This coverage will pay up to $3,500 to cover usual and customary charges for reasonable medical expenses incurred by an insured or other persons riding with the insured due to a covered accident.