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Definition
Uninsured motorist coverage is auto insurance that pays your costs when an at-fault driver has no insurance. It steps in to cover expenses you'd otherwise struggle to recover from a driver who can't pay, since you can't simply bill an insurer that doesn't exist. This protection is distinct from underinsured motorist coverage, which applies when the at-fault driver has insurance but not enough to cover your losses. Requirements and pricing differ widely: rates vary by state, and some states mandate the coverage while others let you accept or decline it. Because the rules, mandatory limits, and what's included can change depending on where you live, you should confirm the specifics with your insurer or state regulator before assuming you're protected against an uninsured driver.
Also Known As
UM coverage
Uninsured motorist protection
UM/UIM coverage
Uninsured driver coverage
Used in Context
- After a hit-and-run driver fled the scene, your uninsured motorist coverage helped pay for your injuries when no other policy applied.
- When you compared auto quotes through Dreamy Leads, the agent explained that your state mandates uninsured motorist coverage on every policy.
- Because the at-fault driver carried no insurance, you filed under your own uninsured motorist coverage instead of pursuing them directly.
Is uninsured motorist coverage required?
It depends on where you live. Some states mandate uninsured motorist coverage on every auto policy, while others make it optional or let you decline it in writing. Because rules vary by state, check with your insurer or state regulator to confirm whether you're required to carry it.
What's the difference between uninsured and underinsured coverage?
Uninsured motorist coverage pays your costs when the at-fault driver has no insurance at all. Underinsured motorist coverage applies when that driver has insurance, but not enough to cover your losses. They're distinct protections, though many policies bundle them together as UM/UIM coverage.
Why does uninsured motorist coverage cost different amounts?
Rates vary by state because each state sets its own rules, mandatory limits, and risk factors. Pricing typically reflects local conditions and how the coverage is regulated where you live. For an exact cost, ask your insurer for a quote based on your state and policy details.
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