What is Uninsured Insurance Coverage and How Does it Work?

Uninsured Motorist coverage is an important coverage for an individual to have. An estimated 20% to 25% of drivers on the road are uninsured, and, unfortunately, we don’t choose who we’re in an accident with.

That means 1 in every 4 drivers on the road is uninsured! It’s a good probability you’ll be hit by an uninsured driver, and you need to be covered. In that situation, liability coverage won’t be enough.

There are several different kinds of Uninsured Motorist coverage. For example, UMPD is Uninsured Motorist Property Damage. It takes care of the damage to your vehicle when you’re hit by an uninsured driver.

UMBI is Uninsured Motorist Bodily Injury. If you’re hit by an uninsured driver, UMBI steps into the shoes of the at-fault and takes care of your injuries. It takes care of bodily injury, pain and suffering, medical bills, and more.

For more information visit our Uninsured Insurance blog HERE where we answer questions about Uninsured Motorist Coverage.

You can always contact us online 24/7 or call us toll-free at 800.305.0529. We’re here to answer your car insurance questions and make sure you and your family are covered in case of an accident.