What is Uninsured Motorist and why do I need it?

Uninsured motorist coverage – another one of those confusing insurance terms! Wondering why you should have it and how it benefits you? That’s what we’re here for! Many states now require drivers to have an uninsured motorist coverage in their policies to protect law abiding drivers.

According to the Insurance Research Council (IRC), approximately 1 of every 7 drivers in the United States is currently uninsured. Having uninsured motorist coverage can financially protect you from irresponsible drivers. There are two types of coverages that are offered:


  • Uninsured motorist bodily injury coverage (UMBI)


Even though this coverage isn’t mandatory in all states, it’s a good idea to add one to your insurance policy. UMBI can cover lost wages, medical, and injury expenses for you and the passengers in your vehicle.

  1.  Uninsured Motorist Property Damage Coverage (UMPD)

If your vehicle is damaged in an accident, your UMPD will cover you if an uninsured driver is at fault. This type of coverage only applies if the other driver has no insurance or has inadequate insurance coverage. Aside from paying damages to your car, a UMPD will cover damages done to your personal property. Your house, fence, or other personal property such as your laptop or phone may be covered with this if they are damaged.

Uninsured Motorist Limits

There are limits to uninsured motorist coverage and you’ll have to decide which ones are right for you when you purchase this coverage. These limits will determine the maximum amount that your insurer will pay if you decide to add this coverage. Generally your Uninsured Motorist will include a split limit. The split limit means that your coverage will differ depending on whether one person or multiple people were injured.  

For example:

$15,000 for bodily injury or death, per person.

$30,000 for total bodily injury or death, per accident, regardless of how many people

With this, you protect yourself from paying large amounts of out of pocket expenses if someone else is at fault for an accident. To learn more about uninsured motorist or to add it to your policy, give us a call at 1-800-639-7654!


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