When reviewing auto insurance options, it’s important to look beyond the base premium and understand the protection included. Two coverages that are often overlooked—but critically important—are Uninsured Motorist Bodily Injury (UMBI) and Uninsured Motorist Property Damage (UMPD).

Unfortunately, a significant number of drivers on the road do not carry insurance, or they carry only the state minimum limits that may not be enough to cover your losses in a serious accident. If you are involved in a collision with one of these drivers, the financial impact could fall directly on you.

  • UMBI helps pay for medical expenses, lost wages, and other costs if you or your passengers are injured by an uninsured or underinsured driver.

  • UMPD helps cover the repair or replacement of your vehicle when the at-fault driver has no insurance.

These protections are relatively inexpensive to add to your policy but can save you from substantial out-of-pocket expenses in the event of an accident. When comparing auto insurance rates, it’s essential to evaluate the value of this coverage—not just the monthly premium.

At the end of the day, uninsured motorist coverage provides cost-effective peace of mind, ensuring you and your family are financially protected when the unexpected happens.

👉 Contact Yakima Valley Insurance today to review your auto policy and make sure you have the protection you need.