Uninsured motorists coverage not only insures against the "Uninsured motorist" but also protects policy owners against the "Under insured motorist". Uninsured motorist is optional; However, it is recommended that it be added to a policy in the best interest of the insured.
Uninsured motorist coverage consists of two parts:
Uninsured motorist bodily injury (abbreviated as UMBI)
Uninsured motorist property damage (abbreviated as UMPD)
Uninsured Motorist Bodily Injury
Uninsured motorist bodily injury protects an insured from bodily injury caused by an uninsured driver up to the policy limits. (Typically ranging from $15,000 per person and up)
There are three groups that can be covered under the Uninsured Motorist provision:
Members of his or her household
Any other person entitled to recover damages
This coverage also applies to injuries sustained while an individual or members of his or her household are injured as pedestrians by an insured motorist.
Uninsured motorist bodily injury coverage also provides coverage for UNDERINSURED motorist. This protection provides that if an individual is in an accident and the at fault person is underinsured to pay the total damages, that protection will pay up to the uninsured motorist coverage policy limits if it exceeds the at fault driver's liability insurance limits.
Pain and Suffering
Loss of Consortium
Uninsured motorist bodily injury coverage pays only what one would have been entitled to had the other driver been properly insured; Therefore, the other driver (the uninsured driver) must have been liable in order for one to collect.
Uninsured Motorist - Bodily Injury
Uninsured motorist property damage pays the insured for property damages that one would have been entitled to had the other driver been properly insured up to the policy limits. Usually $3,500 if the policy does not include Comprehensive and Collision auto insurance coverage but can vary. If the policy does include it coverage, then the deductible will be waived and the property damages would fall under Collision coverage with no deductible.