This article explains the essentials of GEICO's uninsured motorist coverage, including available types like bodily injury and property damage protection. It emphasizes the importance of understanding state requirements and how GEICO policies can be customized for optimal protection after accidents involving uninsured drivers.

Exploring GEICO's Uninsured Motorist Protection: Important Information

Uninsured motorist (UM) coverage safeguards drivers in accidents involving drivers without insurance or involved in hit-and-run incidents. Not all states mandate this coverage, but many require it to ensure protection. It is especially crucial when the responsible driver is unidentified. GEICO offers uninsured motorist options as part of its auto insurance plans, tailored to comply with state laws.

Types of Uninsured Motorist Coverage from GEICO

Uninsured Motorist Bodily Injury (UMBI)

Uninsured Motorist Property Damage (UMPD)

Uninsured Motorist Bodily Injury (UMBI): This coverage pays for medical expenses, funeral costs, and income loss if an uninsured driver causes an accident. Without UMBI, you are responsible for these costs. Your personal insurance or GEICO’s medical/PIP coverage can also help with healthcare costs.

In addition to covering costs, UMBI also provides compensation for pain and suffering resulting from the accident.

Uninsured Motorist Property Damage (UMPD): If your vehicle is damaged by an uninsured driver, this insurance covers repair expenses. Without UMPD, you must pay out of pocket or seek legal remedies against the at-fault driver for compensation.

Check your state’s requirements for uninsured motorist coverage. GEICO policyholders can log into their accounts to review and adjust their coverage to meet their needs.