{"id":333,"date":"2022-10-08T23:36:19","date_gmt":"2022-10-08T23:36:19","guid":{"rendered":"https:\/\/uniamericainc.com\/?post_type=news_article&#038;p=333"},"modified":"2025-07-08T22:48:57","modified_gmt":"2025-07-08T22:48:57","slug":"what-is-uninsured-motorist-coverage","status":"publish","type":"news_article","link":"http:\/\/uniamericainc.com\/es\/news_article\/what-is-uninsured-motorist-coverage\/","title":{"rendered":"\u00bfQu\u00e9 es la cobertura de motorista sin seguro?"},"content":{"rendered":"<p>Esto lo cubre si tiene un accidente con un conductor que no tiene ning\u00fan seguro de responsabilidad civil o tiene seguro insuficiente.<\/p>\n\n\n\n<p>La compa\u00f1\u00eda de seguros debe ofrecerle esta cobertura. Si elige no comprarlo, debe firmar un formulario, llamado renuncia. El formulario dice que le ofrecieron la cobertura y la rechaz\u00f3.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Lesiones corporales de automovilistas sin seguro (UMBI): Esto paga por lesiones a usted y cualquier persona en su autom\u00f3vil cuando hay un accidente con un conductor sin seguro que tiene la culpa. Los l\u00edmites son los mismos que los l\u00edmites de su cobertura de responsabilidad civil.<\/li><li>Conductor con seguro insuficiente (UIM): esto cubre costos limitados por lesiones corporales si tiene un accidente con un conductor que no tiene seguro suficiente para pagar los da\u00f1os<\/li><li>Da\u00f1os a la propiedad del automovilista sin seguro (UMPD): esto paga los da\u00f1os a su autom\u00f3vil por un accidente con un conductor sin seguro que tiene la culpa. El l\u00edmite es de $3,500. Esto solo paga si se identifica al conductor sin seguro. Es posible que no lo necesite si tiene cobertura de colisi\u00f3n.<\/li><\/ul>","protected":false},"featured_media":334,"template":"","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false},"categories":[17],"class_list":["post-333","news_article","type-news_article","status-publish","has-post-thumbnail","hentry","category-auto-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is Uninsured Motorist Coverage? 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