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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 pays when a driver with no insurance hits you and causes injury or property damage. Underinsured motorist coverage activates when the at-fault driver has liability insurance, but their limits are too low to cover your medical bills, lost wages, or vehicle repair costs. Both coverages are filed as claims with your own insurance carrier, not the other driver's, and your carrier pursues reimbursement from the at-fault party afterward.

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Who Needs Uninsured and Underinsured Motorist Coverage Insurance?

Carry this coverage if you drive frequently in areas where uninsured driver rates are high, if you cannot afford to pay medical bills or vehicle repairs out-of-pocket after an accident, or if you have passengers regularly in your vehicle. It is also recommended if you have selected liability-only coverage and do not carry collision or comprehensive, since uninsured motorist property damage becomes your only protection for vehicle repair costs caused by another driver.

Compare the annual cost of uninsured and underinsured motorist coverage to the amount you could afford to pay out-of-pocket if hit by a driver with no insurance or low limits. If you have accessible savings and low medical exposure, declining it is defensible.

How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?

Coverage limits you select — higher limits for bodily injury and property damage increase the monthly cost.
Whether you choose stacked or non-stacked coverage — stacking multiplies your limits by the number of vehicles on your policy and raises the premium.
Your county's uninsured driver rate — areas with higher percentages of uninsured motorists see higher premiums for this coverage.
Deductible for uninsured motorist property damage — a higher deductible lowers your monthly cost.
Carrier pricing models — some insurers bundle uninsured and underinsured coverage at a flat rate, others price them separately.

Related Coverage Types

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Minimum Coverage Car Insurance→

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Liability Insurance→

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Full Coverage Car Insurance→

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Personal Injury Protection→

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