Uninsured Motorist Bodily Injury (UMBI)
Uninsured/underinsured motorist bodily injury (UMBI/UIMBI) pays for the medical bills, lost income, and pain and suffering you sustain when an uninsured or underinsured driver injures you, your passengers, or your family.
The Coverage for the Injuries Themselves
Uninsured motorist bodily injury (UMBI) — and its underinsured counterpart (UIMBI) — is the part of UM/UIM that pays for human harm: the injuries you and your passengers suffer when an at-fault driver without enough insurance hits you.
It's the most important piece of UM/UIM, because injuries are where crashes get truly expensive.
What UMBI Pays For
- Medical expenses — ER, hospital, surgery, imaging, follow-up care, rehabilitation
- Future medical costs for lasting injuries
- Lost wages while you can't work
- Loss of future earning capacity for serious injuries
- Pain and suffering — the non-economic damages the at-fault driver would owe
- Wrongful death benefits for surviving family in fatal crashes
Who's Protected
UMBI typically covers:
- You, the policyholder
- Family members in your household
- Passengers in your vehicle
- You as a pedestrian or cyclist struck by an uninsured driver, in many states
Why It Matters More Than People Think
A moderate injury — a torn ligament, a back injury, a concussion — can easily run tens of thousands of dollars once you add up treatment and missed work. A serious one can reach six or seven figures. The at-fault driver's state-minimum policy (often $25,000) won't come close, and if they're uninsured there's nothing at all. UMBI is what stands between that bill and your bank account.
How Limits Are Written
UMBI limits look like $100,000 per person / $300,000 per accident — the first number caps what one injured person can recover, the second caps the total per crash. Higher limits cost surprisingly little relative to the protection. We help you right-size them. [Get a quote](/quote) to compare.
What's Covered
Frequently Asked Questions
Yes. Uninsured motorist bodily injury typically covers you, household family members, and passengers in your vehicle, and in many states you're even covered as a pedestrian or cyclist struck by an uninsured driver.
Enough to cover a serious injury to you or a family member — which can reach six figures. Matching your UMBI limits to your liability limits is a common approach. We help you pick a limit that fits your real medical and income exposure.