Uninsured And Underinsured Motorist Coverage

What is Uninsured Motorist coverage?

What happens when someone does not carry enough (or any) insurance coverage? As surprising (and scary) as it sounds, some drivers do not have car insurance. Uninsured Motorist coverage may help compensate you for your injuries caused by an uninsured driver or, in some states, a hit and run driver.

What are the two types of Uninsured Motorist coverage?

Uninsured Motorist Bodily Injury Coverage (UMBI)

Typically provides compensation for:

  • Medical Expenses
  • Funeral Expenses
  • Loss of Income
  • Pain and Suffering

If you are injured by an uninsured driver and don't have Uninsured Motorist coverage, you could be responsible for your own expenses. You may be able to file under your Medical Payments coverage, Personal Injury Protection, or your own medical insurance if you have these coverages. While these coverages may help with the expenses, they usually do not include compensation for pain and suffering, which you may receive if you have Uninsured Motorist coverage.

Uninsured Motorist Property Damage Coverage (UMPD)

Provides coverage for repairs to your car if it's damaged by an uninsured motorist. If you don't have Uninsured Motorist Property Damage coverage or Collision coverage, you would have to pay for the repairs yourself or a file a claim against the at-fault driver in court.

What is Underinsured Motorist coverage (UIM)?

This protects you from drivers who cause an accident and may not have enough insurance to pay for your injuries or damages. It is also broken into the same two categories—bodiliy injury and property damage. Underinsured Motorist coverage is available in some states. Please check to see if this coverage is available in your state and how the coverage is applied.*

How do I know if I have UM or UIM on my GEICO policy?

Need help determining your insurance coverage?

Get a free car insurance quote now that makes sense for your needs and budget.

*Coverage is subject to the terms, limits and conditions of your policy contract.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.