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Uninsured and Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage pays for your injuries and vehicle damage when the at-fault driver has no insurance or too little coverage to pay your full claim.

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What Is Uninsured and Underinsured Motorist Coverage Insurance?

Uninsured motorist coverage pays when an at-fault driver has no insurance. Underinsured motorist coverage pays when the at-fault driver's liability limits are too low to cover your full claim. Both coverages protect you from financial loss when another driver causes a crash but can't pay for the damage. Your own insurance carrier pays the claim, up to your UM/UIM policy limits, after the at-fault driver's coverage is exhausted or confirmed absent.

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Who Needs Uninsured and Underinsured Motorist Coverage Insurance?

You should carry UM/UIM if you cannot afford to pay medical bills and vehicle repair costs out of pocket after a crash caused by someone else. If you drive frequently in areas with high uninsured driver rates, or if you carry low health insurance coverage with high deductibles, UM/UIM fills the gap when the at-fault driver has no money to pay your claim.

Compare your UM/UIM annual premium to your health insurance deductible and out-of-pocket maximum, plus your vehicle's replacement cost.

How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?

  • Your county's uninsured driver rate — areas with higher uninsured motorist rates may see slightly higher UM/UIM premiums.
  • Bundling with collision and comprehensive — carriers often discount UM/UIM when you carry full coverage rather than liability-only.
  • Your claims history — prior UM/UIM claims can increase your premium at renewal, though less severely than at-fault liability claims.

Related Coverage Types

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