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Additional Car Insurance Coverages

Uninsured motorist (UM) coverage for uninsured motorist bodily injury (UMBI)

This Coverage can pay for injuries to people protected under your policy--including family members in other cars and passengers in your insured cars--resulting from a car accident caused by an uninsured driver. In addition to paying medical bills, UMBI may cover lost income as well as pain and suffering.

Uninsured motorist (UM) coverage for property damage (UMPD)

This coverage can pay for damage to your car by an uninsured driver you can identify, but almost never a hit-and-run driver. If you have the option of purchasing UMPD and collision coverage, UMPD usually pays your collision deductible only (so it may not be worth carrying the coverage if you have collision coverage already). UMPD is not available in all states, and when the term UM is used, it often refers to only bodily injury coverage.