Uninsured/Underinsured Motorist Coverage
Protects you when you're hit by a driver with no insurance or not enough coverage to pay for your damages.
Why You Need This Coverage
Shocking Statistics
About 1 in 8 drivers on the road have no insurance at all. In some states, it's as high as 1 in 4 drivers.
Even more drivers carry only state minimum liability limits, which are often insufficient to cover serious accidents.
Without UM/UIM coverage, you could be stuck paying for medical bills, lost wages, and vehicle repairs out of pocket if an uninsured or underinsured driver hits you.
What Does It Cover?
Uninsured Motorist Bodily Injury (UMBI)
Covers medical expenses, lost wages, pain and suffering if you're injured by a driver with no insurance.
Underinsured Motorist Bodily Injury (UIMBI)
Pays the difference when the at-fault driver's insurance isn't enough to cover your injuries.
Uninsured Motorist Property Damage (UMPD)
Covers damage to your vehicle when hit by an uninsured driver. Available in some states.
Hit-and-Run Accidents
Provides coverage if you're injured or your car is damaged by a hit-and-run driver who flees the scene.
Common Scenarios
Scenario 1: No Insurance
An unlicensed driver runs a red light and totals your car, causing $50,000 in injuries. They have no insurance.
Your UM coverage pays: Your medical bills, lost wages, and pain/suffering up to your policy limits.
Scenario 2: Insufficient Coverage
You suffer $200,000 in injuries from an accident. The at-fault driver only has the state minimum of $25,000.
Your UIM coverage pays: The remaining $175,000 (up to your UIM limits).
Scenario 3: Hit and Run
A driver sideswiped you on the highway and fled. You need $15,000 in medical treatment.
Your UM coverage pays: Medical expenses since the at-fault driver cannot be identified.
State Requirements
UM/UIM requirements vary by state:
- Required: Many states mandate UM/UIM coverage
- Optional but recommended: Some states make it optional but highly encourage it
- Must reject in writing: Certain states require you to actively decline this coverage
Recommended Coverage Amounts
Match Your Liability
Most experts recommend UM/UIM limits that match your liability coverage.
Same as liability limits
Better Protection
Consider higher limits if you have significant assets or higher medical costs.
250/500 or 500/500
Average Cost
Annual Premium
$100-250/year
Relatively inexpensive for the protection it provides
What coverage level do you need?
Choose the protection that matches your requirements