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Uninsured Motorist Coverage Explained

Uninsured Motorist Coverage pays for your medical bills 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 kicks in when another driver causes a crash and either has no insurance at all or carries liability limits too low to cover your damages. It pays your medical expenses, lost wages, and in many states your vehicle repair costs up to your policy limits.

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Who Needs Uninsured Motorist Coverage Insurance?

Seniors on fixed income should strongly consider this coverage, especially if you drive a paid-off vehicle and dropped collision to save money. One in eight drivers has no insurance, and if they hit you, their lack of coverage becomes your financial emergency unless you carry UM protection.

Compare the monthly cost to your vehicle's value and your health insurance deductible.

How Much Does Uninsured Motorist Coverage Insurance Cost?

Your coverage limits — higher limits cost more, but the cost increase is modest compared to the protection gap it closes.
Your state's uninsured driver rate — states with higher percentages of uninsured motorists often charge more for this coverage.
Your driving record and claims history — carriers price this coverage lower for drivers with clean records.
Your zip code and commute patterns — urban areas with higher accident rates see higher premiums for UM coverage.

Related Coverage Types

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Full Coverage→

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Comprehensive Coverage→

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Liability Insurance→

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Collision Coverage

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Keep Your Coverage Without Overpaying

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