Get Uninsured Motorist Insurance Coverage

Uninsured/Underinsured Motorist (UM) Coverage provides essential protection against drivers who lack adequate insurance in the event of an accident. Ensure you have appropriate coverage to safeguard against potential financial losses; get a free quote to explore your options.

Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured Motorist (UM) liability coverage is coverage on your auto insurance policy that will respond to injuries that you or your passengers incur in an accident that is not your fault with an uninsured driver or a driver that does not have enough bodily injury liability coverage to cover the extent of your and your passengers' injuries in a accident. Some states also offer uninsured/underinsured motorist property damage coverage that will respond to the damages to your car caused by an uninsured or underinsured driver.

Do I Need Uninsured/Underinsured Motorist Coverage?

Some states require that you carry this coverage on your auto insurance policy, while other states offer it, but purchasing the coverage is optional in those states. Either way, this valuable coverage can be a lifesaver if you are involved in an accident with an uninsured or underinsured driver who is at fault for the accident. The states that require this coverage are:

• Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Washington D.C., West Virginia, and Wisconsin

These states require that you carry an uninsured/underinsured motorist liability coverage limit that matches your state's required bodily injury liability coverage. Typically, insurers will match the coverage limit for UM to the bodily injury liability coverage that you select on your policy. You also have the option to purchase more UM coverage to ensure that you have enough coverage to pay for your and your passengers' medical expenses after a claim.

Some states also offer uninsured/underinsured motorist property damage coverage, which will respond to the damage to your car caused by an uninsured or underinsured driver. The states that require this coverage are:

•Maryland, North Carolina, South Carolina, Vermont, Virginia, Washington D.C., and West Virginia

If you live in a state that does not offer uninsured motorist property damage coverage, the damage to your car caused by an uninsured or underinsured motorist would have to be paid through your collision coverage if you have it.

Get Covered Today!

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How Uninsured/Underinsured Motorist Coverage Works

When you are involved in an accident with another driver who is at fault, the damages to your vehicle and the injuries you and your passengers incur are supposed to be paid by the at-fault driver's car insurance policy. However, if the at-fault driver is not insured or has limits on their policy that are lower than the cost of your and your passengers' medical expenses due to the accident, uninsured/underinsured motorist coverage will bridge the gap between what their policy limits offer, if any, up to your selected UM liability limit. Suppose you have uninsured/underinsured property damage coverage. In that case, this coverage on your policy will also help you pay the cost of your damages if the at-fault driver's insurance isn't enough.

Uninsured/Underinsured Motorist Coverage Limits

There are various limits available for standard uninsured/underinsured motorist coverage. Typically, your UM limit will be matched to the bodily injury liability limit on your auto policy, but you can request a lower or higher limit. The amount of coverage that you select determines how much your car insurance carrier will pay per person for anyone who is injured in your vehicle and will have a per accident limit for the maximum amount your carrier will pay per accident that you have with an insured or underinsured driver who is at fault in the accident. For example, if you carry a split UM limit of 25/50, your policy will pay up to $25,000 per person and $50,000 per accident to you and the passengers when you are injured by an uninsured or underinsured driver.

In some states, you may have the option to purchase a single combined UM limit, which is a set amount that your carrier will pay per accident regardless of how many people are involved. In this scenario, if you carry a single combined UM limit of $100,000, your insurance carrier will pay up to $100,000 to those injured in your car without limiting the amount they will pay per person.

You also have the option to convert UM coverage instead of standard UM coverage. Conversion UM coverage provides you and the people in your car with additional coverage that can be added to the coverage of the responsible person, assuming they have auto liability insurance. For example, if the at-fault driver had $25,000 in liability insurance coverage per person and you had a claim worth $50,000 and carried UM conversion coverage of $25,000 (as opposed to standard UM coverage), you would receive a total of $50,000 (i.e., $25,000 from the responsible party’s coverage plus $25,000 from your UM conversion coverage).

What Does UM Coverage Pay For?

Uninsured/underinsured motorist coverage pays for things such as:

•Medical expenses

•Lost wages if you can’t work because of a car accident

•Pain and suffering compensation

•Funeral expenses

Do I need UM Coverage if I Have Health Insurance?

Suppose you are injured in an accident with a driver who does not have bodily injury liability coverage or doesn't carry enough bodily injury coverage. In that case, your health insurance should cover your additional medical expenses. But if your health insurance has a deductible that you must satisfy before the company pays for your medical expenses, UM coverage can help satisfy the deductible. Your health insurance will not pay for lost wages if you can't work because of a car accident, pain and suffering compensation, or funeral expenses.

Uninsured/Underinsured Motorist Coverage FAQs

Q: What is UM coverage?

A: Uninsured/Underinsured Motorist (UM) liability coverage is coverage on your auto insurance policy that will respond to injuries that you or your passengers incur in an accident that is not your fault with an uninsured driver or a driver that does not have enough bodily injury liability coverage to cover the extent of your and your passengers' injuries in an accident.

Q: What does uninsured/underinsured motorist coverage pay for?

A: Uninsured/underinsured coverage will pay for your and your passenger's medical expenses, loss of work, pain and suffering compensation, and funeral expenses resulting from an accident with another driver who is at fault and does not have bodily injury coverage or does not carry enough bodily injury coverage to pay for your injuries.

Q: Will UM coverage pay my health insurance deductible?

A: If you are injured by an uninsured or underinsured driver, uninsured/underinsured motorist coverage will help you pay the deductible on your health insurance.