Uninsured / Underinsured Motorist Coverage

Do you want to be covered if another driver hits you and doesn’t have enough liability coverage to pay for all of the damages? Do you want your insurance to cover you if you’re a victim of a hit-and-run? If you answered ‘yes’, then you may want to add Uninsured Motorist (UM) Coverage and Underinsured Motorist (UIM) Coverages to your policy.

How does uninsured/underinsured motorist coverage work?

Let’s say you’re in an accident. The at-fault driver’s insurance is supposed to pay for your car repairs and medical costs for you and your passengers. If the other driver doesn’t have insurance, or not enough insurance, you may be responsible for paying the difference. Uninsured/ Underinsured Motorist coverage will cover the gap between your costs and the other driver’s ability to pay.

What is the difference between Uninsured Motorist (UM) Coverage and Underinsured Motorist (UIM) Coverage?

Uninsured Motorist Coverage protects you if you’re in an accident caused by an at-fault driver who doesn’t have any insurance. Underinsured Motorist protects you if you’re in an accident and the at-fault driver doesn’t have enough liability coverage to cover all of the damages in the accident.

Is Uninsured Motorist coverage required?

While it’s not required by all states, many states do require UM/ UIM coverage. Talk to an agent about the law for where you live.

Still have questions about Uninsured or Underinsured Motorist coverage?

Check out our Coverage Wizard and answer a few short questions to see what coverages you should add to your policy to make sure you and your assets are covered. Or quote today and one of our friendly chat agents will assist you.


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