An uninsured motorist um is an at fault driver who has no auto insurance does not have insurance that meets state required minimum liability amounts or whose insurance company is unwilling or. There are four main types of coverage grouped under uninsured motorist coverage uninsured motorist bodily injury um or umbi pays when an at fault driver causes a car accident uninsured. Uninsured motorist coverage could offer two kinds of protection uninsured motorist bodily injury coverage also called umbi helps cover your medical expenses caused by an accident brought on by an uninsured motorist in certain states security may stretch to a relative whos currently driving your vehicle or into your own passengers. An uninsured motorist clause is a provision commonly found in united states automobile insurance policies that provides for a driver to receive damages for any injury he or she receives from an uninsured negligent driver the owner of the policy pays a premium to the insurance company to include this clause. According to the insurance information institute and insurance research council a staggering 267 of motorists in the state are uninsured uninsured motorist coverage can help to protect you against the financial fallout of getting into an accident with one of them how can uninsured motorist coverage protect me
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