Uninsured Motorist Coverage After a DUI
Uninsured Motorist Coverage pays for your injuries and vehicle damage when you're hit by a driver with no insurance or inadequate coverage limits.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage has two components: bodily injury (UMBI) covers medical bills, lost wages, and pain and suffering when an uninsured driver hits you; property damage (UMPD) covers vehicle repair costs in the same scenario. Florida law requires FR-44 filers to accept UMBI at limits matching their liability coverage — you cannot waive it or select lower limits.
Who Needs Uninsured Motorist Coverage Insurance?
FR-44 filers in Florida have no choice — UMBI is mandatory at 100/300 limits. Virginia FR-44 filers should strongly consider keeping it: one in seven Virginia drivers is uninsured, and a severe injury caused by an uninsured driver can generate six-figure medical bills with no liable party to recover from. Non-owner FR-44 holders benefit equally — UMBI covers you as a pedestrian, cyclist, or passenger, not just as a driver.
Calculate your health insurance out-of-pocket maximum and compare it to your potential lost income for three months of recovery. If no, keep UMBI. If yes and you drive infrequently, rejection is defensible in Virginia only.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your selected UMBI limits — 100/300 costs more than 50/100, and stacking (explained below) doubles the premium.
- Stacking election in Florida — choosing stacked UMBI (combining limits across multiple insured vehicles) roughly doubles the premium but multiplies your coverage ceiling.
- Carrier risk model — some FR-44 specialists price UMBI lower to attract high-risk drivers, knowing the coverage rarely pays out relative to collision claims.
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