If you have uninsured motorist bodily injury coverage, it will pay for your medical bills if youâre hit by an uninsured driver. In some states, you can also obtain uninsured motorist property damage (UMPD) that will pay for damage to your vehicle. However, typically, UMPD coverage has low limits so if you have collision coverage, it is advised that you carry that and skip UMPD unless youâre required by law to have it on your policy. Some states require drivers to buy uninsured motorist coverage and in others it is optional.
Uninsured motorist insurance is usually sold in the amount that matches your liability insurance limits. (Liability insurance pays for damage you cause to other vehicles and property.) For example, if you bought a policy with $50,000 per person bodily injury liability coverage, up to $100,000 per accident, you should buy uninsured motorist bodily injury coverage (UMBI) in the same amounts.