This is an insurance policy available to drivers that provides coverage for damages caused by motorists without insurance. This type of policy is extremely useful in situations involving hit and run collisions. Uninsured motorist bodily injury coverage (UMBI) can help pay for your medical expenses caused by an uninsured driver. UMBI coverage also extends to passengers in your vehicle. Uninsured motorist property damage coverage (UMPD) can help pay for repairs to your vehicle caused by an uninsured driver.