If an insured has uninsured motorist coverage of 100/300/100, who pays for bodily injury damages if the insured is struck by an uninsured motorist claiming $100,000?

When an insured has uninsured motorist coverage of 100/300/100, this means the policy provides up to $100,000 in coverage per person for bodily injury, $300,000 for total bodily injury per accident, and $100,000 for property damage. In the scenario where the insured is struck by an uninsured motorist claiming $100,000 in bodily injury damages, the insured's own insurance company would step in to cover these costs.

Since the at-fault driver is uninsured, the insured cannot seek compensation from the other driver's insurance company, as no such coverage exists. Therefore, it is the responsibility of the insured's insurance company to handle the claim up to the limits set by the policy. In this case, the uninsured motorist coverage will provide the necessary funds for the bodily injury damages caused by the uninsured driver. This demonstrates the protective role of uninsured motorist coverage in safeguarding insured individuals from losses when they are involved in accidents with uninsured parties.