This protection covers bodily injury and property damage, in excess of the underlying insurance or required primary underlying insurance, whichever is greater, that you are legally entitled to receive from the owner or operator of an uninsured motorized/underinsured motorized land vehicle. You will be covered for up to $2 million, regardless of the number of vehicles covered by the required primary underlying insurance and regardless of the number of claims, vehicles, or people involved in any one occurrence.

If there is a disagreement around the legal entitlement or the amount covered, either you or Chubb can make a written demand for arbitration. Local rules of law as to procedure and evidence will apply.