What does Uninsured Motorist Coverage (UMB) cover?

Protection from Driver that doesn’t have Insurance.


Uninsured Motorist Coverage (UM)

We offer 2 types of Uninsured Motorist Coverage.

  • Uninsured Motorist Bodily Injury Coverage (UMBI): This coverage provides protection for injuries sustained in an accident with an uninsured at-fault driver. In some states, it can also cover a hit-and-run. This coverage pays for your injuries up to your chosen limit.
  • Uninsured Motorist Property Damage Coverage (UMPD) pays for your car’s repairs if you’re in a covered accident with someone without insurance. It may be available in some states.
Uninsured Motorist Coverage Protection if you're in an accident with a driver that doesn't have insurance.

Standard coverage for when you’re at fault


Do I need UM Coverage if I have Collision Coverage?

You may need UM Coverage based on state law. Beyond extra protection, UM may also provide a low or no deductible. Please note that UMBI can help pay for injuries where Collision Coverage doesn’t.


How much UM do I need?

The amount of coverage you need depends on your situation and your state’s requirements. You should get enough coverage to pay for damages and injuries if you’re in an accident with someone who doesn’t have insurance.

Ready for a quote?

What kind of UM Coverage do I need?

These states required UMBI Coverage as of 2024

  • Connecticut
  • District of Columbia (D.C.)
  • Illinois
  • Kansas
  • Maine
  • Maryland
  • Massachusetts
  • Minnesota
  • Missouri
  • Nebraska
  • New Hampshire
  • New York
  • North Carolina
  • North Dakota
  • Oregon
  • South Carolina
  • Vermont
  • Virginia
  • West Virginia
  • Wisconsin

Even if UM isn’t required in your state, it can be beneficial. For example, suppose your health insurance has a high deductible or an out-of-pocket maximum. In that case, it can help you (and your wallet) with medical costs.

These states require UMPD Coverage

  • District of Columbia (D.C.)
  • Maryland
  • New Hampshire
  • North Carolina
  • South Carolina
  • Vermont
  • Virginia
  • West Virginia

While not required in most states, UMPD Coverage can provide extra protection if you’re in an accident with a driver who doesn’t have insurance. See what coverage is required in the state of Texas.

Other insurance coverages for your medical expenses



Personal Injury Protection

In most cases, the Personal Injury Protection policy will cover you and your passengers. It may pay for your medical treatment, lost wages, or other accident-related expenses regardless of who caused the accident


Medical Payment

In most cases, the Medical Payment policy will cover you and your passengers. It may pay for your medical treatment,

// faq

Common questions about car insurance

What is car insurance?

First, let me start with the basics—an individual must purchase liability insurance for their vehicle (and thus its owner) to be considered “insured” under state law. This rule applies across all circumstances- even if no accidents take place!

This protection exists so others may not suffer financially due to injuries sustained during a collision. We also offer Collision insurance if your vehicle needs repairs after an accident and comprehensive coverage if your car is vandalized.

How can I save money on car insurance?

The first way to save on car insurance quotes is by ensuring that your vehicle meets the minimum safety standards.

This will also help avoid costly repairs in case of an accident, leading you into a higher premium rate category due to being risky drivers!

You should consider reviewing any existing coverage aspects as well if they’re not up-to-par with current market rates – this includes both physical damage protection beyond merely bumper-, windshield-, comprehensive and collision-.

How do I file a car insurance claim with Risk Coverage?

Like many of our policyholders, the company that provides you with car insurance can be a life-saver, and we’re here to help. Log onto Risk Coverage’s website or call us if your car needs immediate attention, so we’ll ensure it gets the best care possible!

Should I get an umbrella policy too?

If you’re involved in an auto collision, and the other person’s fault is unclear, it may be time to consider getting extra protection.

Umbrella policies offer increased financial compensation for injuries, damage done on behalf of a covered individual that results from accidents occurring outside their control (such as driving into traffic), plus legal fees that will arise.

What are auto insurance coverages available?

Insurance for auto policies varies by state, but the basics of an auto policy include multiple coverages.

Some common types are liability (to protect against physical injury), comprehensive (for damage), and collision(to assist with reporting accidents).

You might also need medical payments or personal effects coverage if you rent cars regularly due to various restrictions in some states – these will depend entirely upon your specific situation!

Does car insurance cover rental cars?

Your car insurance may provide coverage for rental cars. To find out, call Risk Coverage to see if your current auto insurance policy covers rental vehicles.

Risk coverage will never let you walk away without vehicle rental. If you have full range, why? Because in certain situations, for $2 a month, you can be covered if you get in an accident and need a vehicle to continue getting around.

There are some benefits of having Credit cards since some provide discounts for renting a car. Some credit cards offer additional coverage but make sure you understand the terms and conditions, including any limitations on the type and amount of coverage.

What do I need to get an auto insurance quote?

To get the most accurate quote on new policies, you need to supply your car’s make, model, year, and information about your driving history. You’ll need your vehicle identification number (VIN) handy to purchase an auto policy. We’ll also ask for your driver’s license number.

Not sure which coverages to select? Our car insurance calculator can help you estimate your coverage needs. Ready to get started? Get a quick car insurance quote online or call us.

//Talk to an Insurance Expert

Reduce risk and improve reliability.
Fill out this form, and we’ll be in touch.

15 + 5 =