Uninsured motorist bodily injury (UMBI) coverage is a type of insurance that is designed to protect drivers in the event that they are involved in an accident with an uninsured or underinsured motorist. In San Diego, UMBI coverage is a mandatory part of all auto insurance policies, although drivers can opt out of this coverage if they choose to do so.
If a driver is involved in an accident with an uninsured or underinsured motorist, their UMBI coverage will pay for any medical expenses, lost wages, or other damages that result from the accident, up to the limits of the policy. For example, if a driver has a UMBI policy with a limit of $50,000 and they are involved in an accident with an uninsured motorist that results in $75,000 in damages, their UMBI coverage will pay up to the $50,000 limit, and the driver will be responsible for paying the remaining $25,000.
UMBI coverage can be a valuable resource for drivers who are involved in accidents with uninsured or underinsured motorists. It can help to cover the costs of medical expenses and other damages that may be incurred as a result of the accident, which can be especially important if the driver does not have adequate health insurance or other forms of financial protection.
It is important to note that UMBI coverage only applies in situations where the other driver is uninsured or underinsured. If the other driver has insurance that covers the damages resulting from the accident, the injured party will typically file a claim with the other driver’s insurance company, rather than relying on their own UMBI coverage. Additionally, UMBI coverage is subject to policy limits and other terms and conditions, so it is important to review your policy carefully to understand your coverage options and limitations.