Reader’s Question:

Can you please explain to me what an uninsured motorist coverage is? I live in LA, California.

Andy

Los Angeles, CA

Uninsured motorist can be for either for property damage or bodily injury. Uninsured motorist bodily injury (UMBI) covers the insured, members of the household and the passengers for any injuries or death caused by an at-fault uninsured driver. A UMBI policy covers the medical bills of those injured up to the limits of the insurance policy.

The exact coverage and terms differ with the insurance policy and applicable state laws and regulations, but typically an uninsured motorist policy will reimburse you for medical expenses, lost wages, and damages such as pain and suffering.

The UM policy usually covers the motorist and passengers, also anyone operating the vehicle with permission. It may even cover such damages when the insurance policyholder is struck as a pedestrian by an uninsured driver.

Each state has different limitations and regulations to determine the UMPD limits. For instance in California if you don’t have Collision coverage, Uninsured Motorist Property Damage coverage pays up to $3,500 for repairs to the insured vehicle. Uninsured Motorist Property Damage coverage pays your Collision deductible if you have Collision coverage.