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Uninsured Motorist Bodily Injury or UMBI
It will cover your medical bills and your pain and suffering
Under/Uninsured Motorist Bodily Injury (UMBI) main features:
- First Party Coverage but acts as third party coverage
- Fault based
- No Deductible Applies
- Limits on amount of coverage
Uninsured Motorist Bodily Injury Coverage is similar to UMPD (Uninsured Motorist Property Damage), but instead looking for property damage payments, you will be looking for payments for injuries incurred.
Note that these two coverages are sold together, so if you have one, then you have the other.
Your medical payment coverage or PIP will cover your medical expenses up to the amount of the limit that you purchased.
Everything above and beyond that will be covered under the Uninsured Motorist Bodily Injury portion.
It is important to mention that everyone in the vehicle is entitled to this coverage (driver and passengers) and that the limits will apply individually (they will not be added together) unless otherwise noted in the policy.
When I discussed Medical Payments and Personal Injury Protection, I explained that insurance carriers would be excluding general damages (pain and suffering, loss of quality of life, loss of consortium, etc.).
Uninsured Motorist Bodily Injury will provide payment for these damages or will compensate you for them.
Usually the limits under the Uninsured Motorist Bodily Injury portion are much higher, anywhere from $50,000 to $250,000, as compared to your Medical Payments and/or PIP limits of $5,000 to $10,000.
Your insurance carrier will have to determine who is at fault, and whether or not the other party had an active liability policy. This can take time, depending of how difficult the accident is and how many parties are involved.
Also, remember this is not an all or nothing type of claim.
For example, in an accident where there are three parties involved: A, B and C. Let us assume A is not at fault, but B and C are at fault 50% each.
Let us further assume that B has insurance but C does not. B and C each owe 50% of all damages.
B would have to pay 50% of all damages to A. C does not have insurance, so A’s UMBI policy coverage would have to cover the remaining 50%.
Uninsured Motorist Bodily Injury Coverage will put you in the position of a third party claimant, yet reserving your rights as an insured (first party).
You will have the option to file a bad faith lawsuit if the insurance company does not treat you the way they were supposed to.
Medical Payments and Personal Injury Protection are very restrictive coverages. These restrictions are lifted once you have a UMBI claim.
You still have to document your claim and allow the carrier to look into your medical history to move forward.
Because the insurance companies are paying you what the responsible party owes you, they will have to pay for lost wages, including the time going to and from the doctors, and mileage (about 44 cents per mile) will also be included.
THIS IS ONLY IF YOU ASK! Many adjusters will “forget” to include it on your settlement.
Remember, once you settle the game is over. So ASK!
My view is that if they are going to nickel and dime you, then you should nickel and dime them also.
I have discussed how in Montana and in Arizona you could recover two times or three times the amount of your medical bills.
When you have an UMBI claim, your own insurance company will have to pay the bills twice, the first time to your doctor (if the doctor has not been paid by your health insurance), and a second time to you.
Many people decide that this coverage is not necessary. We all should be driving insured. However, we do not live in a perfect society.
Nearly 1/3 of drivers in the U.S. do not carry any type of insurance.
Some communities in different parts of the country have a ratio of 1/2 or more uninsured drivers.
I would not take the chance. It is best to insure against that risk.
Click below for an explanation insurance coverages and terms:
Automobile Liability Insurance or Liability Page 1
Automobile Liability Insurance or Liability Page 2
Automobile Medical Payments or Personal Injury Protection (PIP) Page 1
Automobile Medical Payments or Personal Injury Protection (PIP) Page 2
Collision Coverage (Protection Against Loss to the Auto) Page 1
Collision Coverage (Protection Against Loss to the Auto) Page 2
Comprehensive Coverage (Protection Against Loss to the Auto) Page 1
Comprehensive Coverage (Protection Against Loss to the Auto) Page 2
Under or Uninsured Motorist Property Damage (UMPD) Page 1
Under or Uninsured Motorist Property Damage (UMPD) Page 2
Under or Uninsured Motorist Bodily Injury (UMBI)
Rental Reimbursement or Loss of Use Coverage Page 1
Rental Reimbursement or Loss of Use Coverage Page 2
Towing and/or Road Assistance Coverage (Emergency Packages)
Insurance Clauses and Terms
Actual Cash Value or ACV
Additional Insurance Clause
Cancellation of Coverage Clause
Choice of Law Clause
Forum Selection Clause
Duty to Cooperate Clause
Duty to Report Losses Clause
Financial Responsibility Clause
Insurable Interest Concept
Interpretation of the Policy Concept
Mandatory Arbitration Clause
Mitigation of Damages Clause
Non Duplication of Benefits Clause
Proof of Loss Clause
Promissory Estoppel Concept
Reservation of Rights Concept
Reasonable and Necessary Clause
Right of Appraisal Clause
Right of Settlement Clause
Rights of Counsel Concept
Subrogation of Rights Clause Part I
Subrogation of Rights Clause Part II
Statute of Limitations Concept
Replacement Cost Value
Transfer of Benefits Clause
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