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 to cover your losses.
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What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage (UM) pays when an at-fault driver has no insurance. Underinsured motorist coverage (UIM) pays when the at-fault driver's liability limits are too low to cover your full damages. Both coverages step in after the at-fault party's insurance is exhausted or confirmed absent. Your own insurer pays the claim, up to your UM/UIM policy limits, minus what the other driver's carrier already paid.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
Carry UM/UIM if you live in a state with a high uninsured driver rate, if you drive frequently in areas where minimum liability limits are common, or if your health insurance has high deductibles or excludes auto accident injuries.
Compare your health insurance out-of-pocket maximum to typical accident medical costs in your area.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Your UM/UIM limits — higher limits cost more, but the per-dollar cost decreases as limits rise.
- State uninsured driver rate — states with more uninsured motorists see higher UM/UIM premiums due to claim frequency.
- Whether you stack coverage — stacking UM/UIM across multiple vehicles on one policy increases limits and premium.
- Your liability limits — many carriers tie UM/UIM pricing to your liability coverage tier.
- Claim history — prior UM claims can raise your rate at renewal, though less than at-fault claims.
