Understanding GEICO Uninsured Motorist Coverage: Essential Details
Learn everything about GEICO's uninsured motorist coverage, including its types, benefits, and legal requirements. This guide helps you understand how UMBI and UMPD protect you in accidents involving uninsured drivers. Check your policy options and stay informed about state mandates to ensure you’re adequately covered. Whether you need medical or property damage protection, GEICO offers flexible solutions to suit your needs. Stay prepared and safeguard yourself against potential financial liabilities caused by uninsured motorists.
Understanding GEICO Uninsured Motorist Coverage: Essential Details
Uninsured motorist (UM) coverage protects drivers when involved in accidents with uninsured or hit-and-run motorists. While not mandatory everywhere, several states require it. This coverage is particularly vital when the at-fault driver cannot be identified. GEICO provides uninsured motorist options as part of its auto insurance policies, depending on state regulations.
Types of Uninsured Motorist Coverage Offered by GEICO
Uninsured motorist bodily injury coverage (UMBI)
Uninsured motorist property damage coverage (UMPD)
Uninsured Motorist Bodily Injury (UMBI): This coverage ensures medical, funeral, and income loss expenses are covered if an uninsured driver causes an accident. If you lack UMBI, you'll bear these costs yourself. Personal insurance and GEICO’s medical or PIP coverage can also cover healthcare expenses.
Besides reimbursement, UMBI compensates for pain and suffering related to the accident.
Uninsured Motorist Property Damage (UMPD): If your vehicle sustains damage from an uninsured driver, this coverage reimburses repair costs. Without UMPD, you're responsible for repairs but can pursue legal action against the at-fault driver for settlement.
It’s important to verify your state’s requirements regarding uninsured motorist coverage. If you are a GEICO policyholder, sign in to your account to review your current coverage and customize your policy accordingly.
