- Uninsured motorist (UM) coverage may help pay for certain accident-related losses if the at-fault driver has no auto insurance (or in some cases, in a hit-and-run).
- Underinsured motorist (UIM) coverage may apply when the at-fault driver has insurance, but their liability limits aren’t enough to cover eligible losses.
- UM/UIM availability and rules vary by state and policy—reviewing your coverage with a local agent is recommended.
A car accident can lead to medical bills, time away from work, and other unexpected expenses. UM coverage is designed to add protection when the driver who caused the accident doesn’t have liability insurance.
What Does Uninsured Motorist Coverage Include?
Depending on your state and policy, UM may help pay for bodily injury-related costs (such as medical expenses). In some states, it may also help with lost wages or other damages tied to an injury claim. Some insurers also offer uninsured motorist property damage coverage, but it may not be available in all states.
UIM coverage works similarly, but it applies when the at-fault driver’s liability coverage is too low to fully cover eligible losses. Your UM/UIM limits determine the maximum available.
Do You Need This Coverage?
Even careful drivers can be hit by someone with little or no insurance. UM/UIM may be worth considering if you drive frequently, carry passengers, or want added financial protection beyond what your health insurance might cover.
Review Your Auto Policy
Review your policy for your UM/UIM limits, options, and exclusions. To learn more, explore our auto insurance solutions or contact us to speak with a local agent about coverage for your situation.
All coverage is subject to policy terms, conditions, and state availability. See your policy for details.
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