Auto insurance

Uninsured motorist & underinsured motorist protection

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Protect yourself from unexpected medical bills after a car accident

California law requires that uninsured motorist bodily injury and underinsured motorist bodily injury coverages (available only in combination) must be offered with every auto insurance policy issued in the state. Policyholders must sign a special waiver to remove these coverages from their insurance.

What is uninsured motorist coverage?

There are 2 types of uninsured motorist coverage: uninsured motorist bodily injury coverage (UMBI) and uninsured motorist property damage (UMPD). Uninsured motorist property damage coverage availability and requirements vary across states. Check with your insurance agent for more information.


Suppose you're injured in a hit-and-run or an accident caused by an uninsured driver. In these cases, uninsured motorist bodily injury coverage will cover the bodily injury damages you'd normally recover from an insured driver (a hit-and-run driver is included in the definition of an uninsured motorist).


In addition to your medical expenses and loss of earnings, uninsured motorist bodily injury coverage can apply to damages for pain and suffering. This means your insurance company will provide coverage up to your policy limits for you, relatives who live in your household, and passengers in your insured car for bodily injuries caused by an uninsured or hit-and-run driver. Uninsured motorist coverage also applies to bodily injury costs for you and your household relatives who are injured by an uninsured motorist as pedestrians or passengers in someone else's car.


If your car is damaged in an accident caused by an uninsured motorist and you don't have collision coverage, uninsured motorist property damage coverage applies to your car damages. If your policy doesn't include collision coverage or uninsured motorist property damage coverage, you'll have to pay for your car repairs out of pocket and pursue the at-fault uninsured driver in court.

Uninsured motorist bodily injury coverage (UMBI)

Uninsured motorist bodily injury (UMBI) coverage helps cover the medical bills of you and your passengers if you're injured in a car accident caused by a driver who was at fault and doesn't have insurance. In addition, insurance coverage can apply to damages for pain and suffering, up to your policy limits. 

Uninsured motorist property damage (UMPD)

Uninsured motorist property damage (UMPD) insurance protects you if someone hits you on the road who doesn’t have insurance or is underinsured. The coverage includes your vehicle repair costs, extra costs if the other driver can't properly cover property damage liability insurance, and damage to your home or other property. UMPD insurance is helpful if you don't have collision insurance. 

What is underinsured motorist coverage?

What if you are insured and the coverage limits of the person at fault won't fully cover your medical bills and pain and suffering? Underinsured motorist bodily injury coverage provides you protection for bodily injury or death that results from an accident where the at-fault party is underinsured. If the bodily injury liability coverage limits of the person at fault are not sufficient to cover you, then your underinsured motorist coverage will pay for the difference up to your policy limits.



Do I need uninsured motorist coverage if I have health insurance?

If you have private health insurance or are covered by a program such as Medicare, the medical costs you incur after an accident are covered regardless of who is at fault. However, due to the high healthcare deductibles and copays of many health insurance plans, you could still be responsible for thousands of dollars. Furthermore, many health insurance plans do not cover treatments needed after an accident such as chiropractic care, nor do they pay for lost wages due to time missed at work, or pain and suffering. You should weigh the pros and cons to determine if uninsured motorist bodily injury/underinsured motorist bodily injury coverage makes sense for you. Speak to your auto insurance agent about your options.

Make sure you understand your car insurance options

How does uninsured & underinsurance motorist coverage work?

In this scenario, we'll assume that Steve runs a stop sign and collides with Jill, who then suffers serious injuries.


Jill's medical bills total $45,000 and she misses work during which she would have earned $9,000, bringing her total bodily injury damages—not including pain and suffering—to $54,000. Additionally, the cost to repair Jill's car is $15,000.


Scenario 1

Steve has minimum liability coverage of $15,000 per person/$30,000 per accident for bodily injury coverage and $5,000 for property damage coverage.


Jill recovers the maximum $15,000 for a single person's bodily injury claim from Steve’s liability insurance. She's responsible for the additional $30,000 in medical expenses and isn't paid for loss of earnings or pain and suffering from Steve’s liability insurance. Steve's property damage coverage pays for $5,000 of the car repairs; Jill is responsible for the balance.


Without underinsured motorist coverage, Jill has to absorb the remaining costs for her injuries and damages, or sue Steve and hope he has personal assets to pay her. If Jill had underinsured motorist coverage with coverage limits above Steve’s liability policy limit, she'd be able to file an underinsured motorist bodily injury claim to consider the outstanding balance of her medical bills, lost wages, and pain and suffering.


Scenario 2

Steve has no auto insurance and Jill has uninsured motorist bodily injury coverage with minimum coverage of $15,000 per person and $30,000 per accident.


With this coverage, Jill can collect up to the limits of her policy from her insurance provider. In this case, Jill collects $15,000 for her medical expenses. She'll need to collision coverage or uninsured motorist property damage coverage for her vehicle damages.


Working with your AAA insurance agent to discuss your options is a good way to make sure all your insurance needs are covered. You can also sign in to your online AAA account to review your policies and coverage.


Additional coverage options

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Personal umbrella policy

AAA also offers coverage limits above the financial responsibility law to provide additional protection. If you want coverage beyond your car insurance policy, a personal umbrella type policy may fit your needs.


AAA offers personal umbrella insurance in CA, TX, HI, NM, ME, NH, and VT.

Insurance discounts

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Save on your insurance premiums

One of the many benefits of choosing AAA insurance is our extensive list of discounts. We understand that every policyholder has unique needs and circumstances, which is why we offer a variety of discounts that can help you save money on your insurance premiums. 


Take a look at all the AAA auto insurance discounts that you could qualify for.

Your policies & coverage 

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Log in to your account to view and manage your auto policy details, review your coverage amounts, and enroll in paperless billing.

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