Understanding GEICO's Uninsured Motorist Insurance Options
This article explains GEICO’s uninsured motorist coverage options, including bodily injury and property damage protection. It highlights the importance of UM coverage in case of accidents with uninsured drivers, the coverage specifics, and how to review and customize your policy based on state requirements. Understanding these options ensures better financial protection in unforeseen accidents involving uninsured motorists.
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Uninsured motorist (UM) coverage helps protect drivers if they're involved in accidents with drivers who lack insurance. Though not always mandatory, several states require it. This coverage is especially useful in hit-and-run scenarios. GEICO offers such coverage, provided it's mandated by your state.
Available Types of Uninsured Motorist Coverage
Uninsured motorist bodily injury (UMBI)
Uninsured motorist property damage (UMPD)
Uninsured motorist bodily injury (UMBI)
This protects you if another driver causes an accident and lacks insurance. It helps cover medical bills, funeral costs, lost wages, or pain and suffering. If you don't have UMBI, you'll pay these costs yourself. If you have personal medical or GEICO's injury protection, those will cover your expenses.
GEICO’s UMBI also compensates for pain and suffering damages.
Uninsured motorist property damage (UMPD)
This coverage reimburses repair costs if your vehicle is damaged by an uninsured driver. Without it, you must pay out-of-pocket but can pursue legal action to recover damages.
Check your state’s requirements to see if UM coverage is mandatory or optional. GEICO customers can log into their accounts to verify if their policy includes UM coverage and customize it as needed.
