What’s uninsured and underinsured motorist coverage?
Uninsured and underinsured motorist coverage can help protect you if it’s part of your car insurance.
It helps pay for property damage and bodily injuries caused by a driver without liability insurance or without enough coverage.
Is uninsured and underinsured coverage required?
Some states require some form of uninsured motorist protection, while it's optional in others. Minimum requirements vary by state, and some states require both uninsured and underinsured coverage.
Check what’s required in your state.
How much does it cost?
It can be relatively inexpensive to add uninsured and underinsured motorist coverage to your policy. But the cost may be higher in states with large numbers of uninsured drivers.
Even if your state doesn’t require it, think about what it could cost if someone hits you and they don’t have insurance.
Uninsured and underinsured coverage FAQ
Most states require liability coverage. If you hit and injure another driver, you could be responsible for their medical bills and property damage. You can help protect your assets with liability coverage.
Collision coverage helps pay to fix or replace your vehicle if you’re at fault for an accident. It can help if you back into a pole or hit another vehicle while driving. Learn more about collision coverage.
Comprehensive coverage helps pay for things beyond your control that don’t involve someone else. It can help if your vehicle gets damaged from something like hitting an animal, fire or flooding. Learn more about comprehensive coverage.
Learn more about types of car insurance coverage.
A deductible is the amount you pay before your insurance kicks in. In some states, there's no deductible for uninsured and underinsured motorist claims for medical bills. In other states, it can vary based on your policy.
Yes. To find the amount of coverage you can get, check your state's limits.
You don’t have to sacrifice quality coverage and service to lower your premium. We can help with car insurance discounts and savings.
You can also save up to 10% when you bundle auto and property policies. See note 1