Uninsured Motorist Insurance Coverage protects you and the occupants of your vehicle for bodily injury up to your policy limits as a result of an accident with a legally liable uninsured motorist or “hit and run” driver. In some states this coverage can be rejected. Uninsured Motorist Property Damage protects your property up to your policy limit for property damage that results from an accident with a legally liable uninsured motorist or “hit and run” driver. This coverage is not available in all states and is sometimes subject to a deductible.

Types of Uninsured Motorist Coverage

If you live in a state that requires liability coverage, that includes two different types: coverage for any injuries you cause and coverage for property damage you cause. Uninsured motorist coverage works similarly:

Uninsured Motorist Bodily Injury (UMBI) Coverage

This covers costs if you or any of your passengers are injured in an accident with an uninsured driver. In addition to covering any hospital and doctor’s bills (up to your policy limits), some UMBI will also cover lost wages if your injuries leave you unable to work for a period of time.

Uninsured Motorist Property Damage (UMPD) Coverage

This is the portion of your uninsured motorist coverage that will help to repair your vehicle or replace it (up to your policy limits) after an accident with an uninsured driver.

What is the difference between uninsured and underinsured motorist coverage?

  • Uninsured motorist coverage is insurance specifically to protect you from injury or damage caused by an entirely uninsured motorist.
  • Underinsured motorist coverage is a similar type of insurance that protects you if the other driver has insurance but it’s not enough to cover the full amount of damage and expenses. Your underinsured motorist policy will pay up to a set amount above the other driver’s policy limit.
  • Uninsured motorist bodily injury coverage, or UMBI, covers the medical expenses, lost wages and related costs for you and your passengers in an accident caused by an uninsured motorist or a hit-and-run accident in some states (in others, you might use your personal injury protection (PIP) here).
  • Uninsured motorist property damage coverage, or UMPD, refers to coverage for damage to your car caused by an uninsured motorist or a hit-and-run accident in some states (in others, you will use your collision coverage after a hit-and-ru