What is Uninsured Motorist Insurance?

2019 Toyota Avalon Driver

Every state in the U.S. other than Florida requires all drivers to have bodily injury liability insurance. Property damage liability insurance is also required. Unfortunately, this does not mean that every driver you encounter on the roads of Los Angeles and Glendale is fully insured. This is why you may want to consider uninsured motorist coverage. What does the uninsured motorist coverage cover? This coverage is beneficial if you are involved in a collision where the other driver involved is not insured. It can also help if the other driver takes off following an accident. Learn more with the finance department at North Hollywood Toyota today. 

The Basics of Uninsured Motorist Insurance

What happens if you are involved in a collision but you are not the driver at fault? The next step of the process is to file a claim with the at-fault driver’s insurance company. You do not want to be on the hook for car repairs, medical bills, and lost wages especially when you did not cause the accident. However, if the other driver involved is not insured, the process becomes a bit more complicated. 

If this happens, you will have to pay out-of-pocket for those expenses that normally would be covered. In some cases, the other driver involved may still be generous enough to take care of those expenses for you, but if not, or if it was a case of hit-and-run, you may be out of luck. Having uninsured motorist coverage protects you from those unforeseen expenses. 

What Does the Uninsured Motorist Coverage Cover? 

Uninsured coverage is similar to regular liability insurance except for the fact that coverage goes into effect when the other driver involved is not adequately insured. There are two types of underinsured and uninsured motorist coverage: 

  • Underinsured/Uninsured Motorist Bodily Injury Coverage (UMBI): Covers lost wages, medical expenses related to your injuries (such as hospital visits and physical therapy), permissive drivers/your passengers, and coverage for bodily injuries caused by a hit-and-run driver 
  • Underinsured/Uninsured Motorist Property Damage Coverage (UMPD): Covers damage to your vehicle that is caused by an underinsured or uninsured driver 

Contact North Hollywood Toyota for More Information

If you have additional questions about uninsured motorist coverage, do not hesitate to contact North Hollywood Toyota for more information. We would be happy to discuss various insurance options with you so that you can drive with complete confidence and peace of mind on the roads of Burbank and beyond. 


More from North Hollywood Toyota

  • 2024 Toyota RAV4 Interior

      The Toyota RAV4 is a versatile SUV cherished by busy families in Los Angeles and outdoor enthusiasts in Glendale, making it a sought-after model at North Hollywood Toyota! If you’re keen on exploring the interior dimensions and colors of the Toyota RAV4, as well as the Toyota RAV4 hybrid interior colors, let us give you a sneak…

  • 2024 Toyota RAV4 MPG Ratings

      Is the Toyota RAV4 fuel-efficient? It’s an important question, but this SUV doesn’t disappoint. Gas-powered models achieve up to 28 mpg in the city and 35 mpg on the highway, while the Toyota RAV4 Hybrid mpg ratings reach an impressive 41 mpg in the city and 38 mpg on the highway. The team at…

  • 2022 Toyota Corolla Trim Levels

    The Toyota Corolla is a perennial favorite thanks to its reputation for quality and its wealth of state-of-the-art features at a budget-friendly price. No matter which of the Toyota Corolla trim levels you prefer, you can feel confident that you are making an excellent investment. Learn more about the Toyota Corolla MSRP for each configuration…

North Hollywood Toyota 34.153924, -118.367564.