Uninsured Motorists can prevent you from being made whole. If you are in an automobile accident with an uninsured driver, it can be very difficult to recover the money you need to repair your vehicle, pay your medical bills or recover lost wages.
Many Car Insurance Polices contain two distinct types of Uninsured Motorist Coverage: Uninsured Motorist Coverage and Underinsured Motorist Coverage.
Uninsured Motorist Coverage allows you to collect money from your insurance company to pay for medical bills resulting from injuries sustained in an automobile accident (Uninsured Motorist Bodily Injury or UMBI). Uninsured Motorist Property Damage (UMPD) allows you to collect money from your insurance company for the damage to your vehicle caused by an uninsured driver.
Underinsured Motorist Bodily Injury (UIMBI) and Underinsured Motorist Property Damage (UIMPD) function largely the same as Uninsured Motorist Coverage. The difference is that Underinsured Motorist Coverage kicks in when the at-fault driver has insurance, but less insurance than is necessary to pay for your medical and property damage.
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