Uninsured Motorist Bodily Injury (UMBI) Coverage

Cotización
Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.

Types of Uninsured Motorist Coverages

Lesión corporal por un conductor no aseguradoCar accidents can cost a lot. That’s why you’ll want to protect yourself with the right car insurance coverages. If you’re in an accident with an uninsured or underinsured driver, uninsured or underinsured motorist coverages can help pay for your medical bills and car repairs.
 
It’s important to realize that there are three uninsured and underinsured motorist coverages. They are:
 
These car insurance coverages can help pay costs up to your policy limit if you’re struck by:
 
  • A driver who has no insurance
  • Someone who doesn’t have enough insurance, and your medical expenses exceed their liability limits
  • A hit-and-run driver
In most states, you can get uninsured motorist bodily injury coverage through the AARP® Auto Insurance Program from The Hartford.1
 
Cobertura contra Conductores No AseguradosUnderinsured & Uninsured Motorist Bodily Injury (UMBI)
If you’re in an accident with an uninsured or underinsured driver, your UMBI coverage helps pay for your medical treatments and any pain and suffering. This coverage also helps pay medical expenses if you’re injured by a car as a pedestrian.
 
Uninsured Motorist Property Damage (UMPD)
If an uninsured driver damages your car, your uninsured motorist property damage coverage can help. This insurance pays for damages to your car and helps you get back on the road as soon as possible. It’s especially useful if you don’t have collision insurance on your car.
 

What Is Uninsured Motorist Coverage?

What Is Uninsured Motorist CoverageYour UMBI policy will have unique limits and coverages. To learn about your options you can contact The Hartford at 888-413-8970.
 

Limits for Uninsured/Underinsured Motorist Bodily Injury Coverage

You can also figure out on your own how much uninsured motorist coverage you need by looking at the amount of bodily injury liability insurance you have. Then you can get an equal amount of UMBI, so you have the same level of coverage for yourself and passengers.
 

What Happens If You Have an Accident with Uninsured Motorist?

If you get into a car accident with an uninsured driver, and you have UMBI insurance coverage, it can help pay your expenses. If another driver without insurance rear-ends your car, and you need medical attention, you may think your next step is filing a claim with their insurance company. But if they don’t have coverage, you can’t. Instead, your UMBI policy will help pay your expenses.
 
Without coverage, you’ll be stuck paying medical bills out of pocket or through your health insurer. And, if you have to take time off work to recover from injuries, you’ll have lost wages. So, it’s important to make sure you have the right level of UMBI coverage.
 

Uninsured Motorist Bodily Injury Requirements by State

Depending on where you live, the law may require uninsured motorist bodily injury coverage.
 
Some states that require drivers to carry uninsured motorist coverage include:  
 
In Illinois you can buy underinsured motorist insurance with minimum limits.
 
Some states where uninsured motorist coverage is optional are:
 
Uninsured Motorist InsuranceMost states require drivers to carry liability seguro para autos coverage. However, in 2015, the Insurance Information Institute found that one in eight people in the United States drove without insurance. In some states, as many as one in four drivers went without insurance protection.2 This is why it’s a good idea to look into uninsured motorist bodily injury coverage, even if it’s optional in the state where you live.
 
If you’re not sure what your state’s car insurance requirements are, talk to The Hartford today at 888-413-8970.
 

How to Get Uninsured Motorist Insurance

To buy uninsured motorist coverage, get a cotización de seguro para autos online from us today.
Uninsured motorist insurance

Uninsured Motorist Insurance

Learn more about uninsured/underinsured motorist coverages in this video.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.