Uninsured Motorist Coverage Explained
Uninsured Motorist Coverage pays for your injuries and vehicle damage when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene.
Find Coverage After a Traffic ViolationWhat Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage has two parts: Uninsured Motorist Bodily Injury (UMBI) pays for your medical bills, lost wages, and pain and suffering when an at-fault driver has no insurance or inadequate coverage. Uninsured Motorist Property Damage (UMPD) pays to repair or replace your vehicle when hit by an uninsured driver. Both coverages also apply to hit-and-run accidents where the driver can't be identified. Many states require you to reject this coverage in writing if you don't want it — it's that important.
Who Needs Uninsured Motorist Coverage Insurance?
Drivers with recent violations should strongly consider Uninsured Motorist Coverage — you're statistically at higher risk for another accident, and an uninsured driver hitting you compounds the financial damage. It's especially valuable if you're already paying elevated premiums due to a DUI, reckless driving, or suspended license — you can't afford to absorb injury costs yourself.
If you're rebuilding your driving record after a violation, think of uninsured motorist coverage as protecting the financial progress you're making — one uninsured driver shouldn't undo months of premium payments and clean driving.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Whether you stack coverage across multiple vehicles on your policy — stacking increases your available limits but can double the premium.
Related Coverage Types
