Categories: Auto Insurance
What is Uninsured Motorist Coverage?
This covers you if you are in an accident with a driver who does not have any liability insurance, or is underinsured.
The insurance company must offer you this coverage. If you choose not to buy it, you must sign a form, called a waiver. The form says you were offered the coverage and turned it down.
- Uninsured motorist bodily injury (UMBI): This pays for injuries to you and any person in your car when there is an accident with an uninsured driver who is at fault. The limits are the same as your liability coverage limits.
- Underinsured motorist (UIM):This covers limited costs for bodily injury if you are in an accident with a driver who does not have enough insurance to pay for damage
- Uninsured motorist property damage (UMPD): This pays for the damage to your car from an accident with an uninsured driver who is at fault. The limit is $3,500. This only pays if the uninsured driver is identified. You may not need it if you have collision coverage.