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Uninsured motorist clause. 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.
Uninsured/Underinsured motorist coverage ... you to carry a minimum of $100,000 per person and $300,000 per accident in bodily injury coverage and $50,000 in property damage coverage (or 100/300 ...
However, you have uninsured motorist property damage on your policy, so your insurance company could make a payout for your vehicle’s repairs minus your $100 deductible. Other types of car ...
Uninsured motorist coverage typically comes in two types: Bodily Injury (UMBI), which covers medical costs, and Property Damage (UMPD), which pays for car repairs.
Uninsured/underinsured motorist coverage: Rates were calculated by evaluating our base profile with the following coverage amounts applied: state minimum, 50/100, 100/300 and 250/500.
The first two numbers seen are for medical coverage. In the 100/300 example, the policy will pay $100,000 per person up to $300,000 total for all people. The last number covers property damage. This property damage can cover the other person's vehicle or anything that you hit and damage as a result of the accident.