What is Uninsured and Underinsured Motorist Coverage?

Let’s say you get in an accident and you weren’t at fault. But let’s also say that the person that hit you doesn’t have insurance or doesn’t have enough of it. Liability won’t cover this because it protects you in the event that you are at fault and for the damages you cause. But this time, it wasn’t your fault, so what happens?
Uninsured and Underinsured coverage is used when the at-fault driver doesn’t have any (Uninsured) or enough (Underinsured) liability coverage.  It can save you from having to pay for a car accident that you didn’t cause.
Like liability insurance, uninsured and underinsured motorist includes 2 coverage types: bodily injury and property damage.

Uninsured/underinsured motorist bodily injury coverage (UMBI)

Covers medical expenses, lost wages, and injury-related expenses for you, any permissive drivers, and your passengers. It can also provide coverage for injuries sustained in hit-and-run accidents.

Uninsured/underinsured motorist property damage coverage (UMPD)

Covers for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose property damage liability limit is too low to cover the property damage losses incurred.

21 states require uninsured motorist coverage

Connecticut, District of Columbia, Illinois, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia, and Wisconsin.

12 states required underinsured motorist coverage

Connecticut, Illinois, Maryland, Minnesota, Nebraska, New Jersey, North Carolina, North Dakota, Oregon, South Dakota, Vermont, and Virginia.
california-state
Although the state of California doesn’t require it, as insurance experts, we highly recommend it. If you’re thinking about getting covered to prepare you in the event of an accident where you are not at fault, get in touch with your UniAmerica Insurance agent today or give us a call at 1-310-835-3373.