Uninsured Motorist Coverage for Drivers 65+
Uninsured Motorist Coverage pays for your medical bills, lost income, and vehicle damage when you're hit by a driver with no insurance or insufficient coverage.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage has two components: Bodily Injury (UMBI) covers your medical bills, rehabilitation, lost income if you still work part-time, and pain and suffering when hit by an uninsured driver. Uninsured Motorist Property Damage (UMPD) covers vehicle repairs when the at-fault driver has no insurance. For senior drivers, UMBI is particularly valuable because age-related factors — bone density, healing time, pre-existing conditions — mean accident injuries cost significantly more to treat and take longer to resolve, even with Medicare. A broken hip at 70 has different recovery implications than at 40, and this coverage fills gaps Medicare doesn't address.
Who Needs Uninsured Motorist Coverage Insurance?
If you're still working part-time or have income beyond Social Security, UMBI also replaces lost wages that health insurance never covers. This is one of the most cost-effective coverages for senior drivers given the injury severity and recovery time statistics for drivers over 65.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Whether you stack coverage — stacking UMBI across multiple vehicles on one policy increases cost but also protection
- Local area — urban counties with higher uninsured rates and accident frequency cost more than rural areas
- Your liability limits — insurers often tie UMBI limits to your liability limits, so higher liability coverage can raise UMBI cost
- Claims history — a prior UMBI claim can increase cost at renewal, though less dramatically than an at-fault accident
Frequently Asked Questions
Does Uninsured Motorist Coverage pay if I'm hit by a driver who fled the scene?
Yes, Uninsured Motorist Coverage pays for hit-and-run accidents where the at-fault driver is never identified, as long as you report the accident to police promptly. This is particularly valuable for senior drivers because without UMBI, a hit-and-run leaves you with no one to file a liability claim against, meaning you'd pay all medical costs through your own health insurance and receive nothing for pain, suffering, or non-medical losses. UMBI treats hit-and-run exactly like an accident with a known uninsured driver.
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