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Uninsured Motorist Coverage Explained

Uninsured Motorist Coverage pays for your injuries and vehicle damage when you're hit by a driver with no insurance or insufficient coverage to pay your claim.

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What Is Uninsured Motorist Coverage Insurance?

Uninsured Motorist Coverage (UM) has two components: Uninsured Motorist Bodily Injury (UMBI) covers medical bills, lost wages, and pain and suffering when an at-fault driver has no insurance, and Uninsured Motorist Property Damage (UMPD) covers vehicle repair costs in the same scenario. It also kicks in when you're hit by a driver who flees the scene (hit-and-run) and cannot be identified.

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Who Needs Uninsured Motorist Coverage Insurance?

It's especially valuable for drivers rebuilding their record after a suspension, DUI, or major violation—you know firsthand that some drivers operate without proper coverage, and UM protects you from becoming a victim of that behavior.

Check your state's uninsured motorist rate and compare UM premium costs to your health insurance deductible and out-of-pocket maximum. Drivers with recent violations, SR-22 requirements, or gaps in coverage history should prioritize UM since you're statistically more likely to encounter other high-risk or uninsured drivers in your area.

How Much Does Uninsured Motorist Coverage Insurance Cost?

Whether your state mandates UM coverage—required coverage states often have standardized pricing that's lower than optional-coverage states where only higher-risk drivers purchase it.

Related Coverage Types

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Non-Standard Auto Insurance→

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Collision Coverage→

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Liability Insurance→

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Full Coverage→

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