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Uninsured & Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage pays your medical bills, lost wages, and vehicle damage when the at-fault driver has no insurance or not enough to cover your losses.

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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 damages. Both coverages step in after the other driver's insurance is exhausted or confirmed absent. Your own insurer pays the claim, up to your policy limits, then pursues the at-fault driver for reimbursement.

Your car is hit by a driver who flees the scene and is never identified. Your uninsured motorist coverage treats this as an uninsured driver claim. You file with your own insurer, who pays for your injuries and vehicle damage up to your policy limits, minus any deductible.

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Who Needs Uninsured and Underinsured Motorist Coverage Insurance?

You should carry this coverage if you cannot afford to pay medical bills or vehicle repairs out of pocket after a crash caused by someone else. If one of them hits you and you lack this coverage, you're left with no insurance payout—even when the crash is entirely their fault.

If you would struggle to cover that amount, buy uninsured and underinsured motorist coverage at limits matching your liability coverage. If you have strong health insurance and savings to replace your vehicle, you can consider declining it—but know that you're accepting full financial risk if an uninsured driver causes a crash.

How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?

Your selected coverage limits—higher limits cost more but provide greater protection if you're hit by an uninsured driver.
Your county's uninsured driver rate—areas with more uninsured drivers see higher premiums for this coverage.
Your vehicle value and medical payment history—insurers price based on claim likelihood and average payout in your area.
Whether you bundle bodily injury and property damage uninsured motorist coverage or purchase them separately.
Your liability limits—some carriers require your uninsured motorist limits to match or stay below your liability limits.

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