Uninsured & Underinsured Motorist Coverage

Protects you if you're hit by a driver with no insurance or not enough coverage to pay for your damages.

A guide to uninsured and underinsured motorist coverage for drivers in the United States

A car crash is stressful enough. Even a minor collision can leave you dealing with medical care, lost work time and repair bills. What makes an accident worse is discovering the other driver has no insurance or not enough insurance to cover your losses. That is when uninsured and underinsured motorist coverage becomes essential.

What Is Uninsured & Underinsured Motorist Coverage?

Uninsured motorist coverage, often shortened to UM, pays for your injuries and sometimes property damage when the at-fault driver has no insurance or cannot be identified. Examples include hit-and-run crashes or accidents with drivers who never carried liability insurance. Underinsured motorist coverage, UIM, applies when the at-fault driver has insurance but their policy limits are too low to cover your medical bills, lost wages or other compensable damages.

Who is it for?

UM and UIM are for any driver who wants to avoid assuming the other driver’s financial responsibility. That includes people who frequently drive commuters, families with children and anyone with assets to protect.

Benefits of Uninsured & Underinsured Motorist Coverage

Medical & Income Protection

Helps cover medical expenses and lost wages after an accident with an uninsured or underinsured driver.

Family & Passenger Protection

Provides coverage for you, your passengers, and eligible household members after a covered accident.

Hit-and-Run Coverage

Protects you if you're injured in a hit-and-run or by an unidentified driver.

Uninsured and underinsured motorist coverage is practical protection for a real problem on roads. It fills gaps left by other drivers who are uninsured or underinsured and protects you from medical expenses, lost wages and long-term financial harm. The coverage is flexible enough to suit different budgets and needs, and it often costs far less than the financial exposure it prevents.