Uninsured & Underinsured Motorist Coverage
Not Every Driver is a Responsible Driver.
Uninsured motorist coverage is part of a car insurance policy that helps pay for your medical bills or car repairs if you're hit by a driver who doesn't have car insurance.
Typically, when you're in an accident and the other driver is found to be at fault, his or her auto liability coverage would help pay for your medical bills or repairs to your car. But if the at-fault driver doesn't have car insurance, you may have to pay out of your own pocket for those expenses. That's where uninsured motorist coverage may help.
It’s Important to be Prepared for Everything
Uninsured motorist bodily injury coverage, also known as UMBI, helps pay for your medical expenses resulting from a crash caused by an uninsured driver. In some states, protection may extend to a family member who is driving your car, or to your passengers.
Uninsured motorist property damage coverage, also known as UMPD, helps pay for repairs to your vehicle after a crash caused by an uninsured driver. This protection is not available in all states.