Uninsured and Underinsured Motorist Coverage Explained
Not every driver on the road has enough insurance, or any at all. Uninsured and underinsured motorist coverage is meant to help when that happens. This is general information; rules differ by state.
What it does
Uninsured motorist coverage can help pay for your injuries, and in some states your vehicle damage, if an at-fault driver has no insurance. Underinsured motorist coverage can help when the at-fault driver has insurance but not enough to cover your losses.
Why it matters
Your liability coverage protects other people when you are at fault. It does not pay for your own injuries when someone else is at fault. This coverage fills part of that gap.
How it differs by state
- Some states require it and others only require insurers to offer it.
- Some states let you decline it in writing.
- Limits, deductibles and what it covers (injury, property or both) vary.
- Hit-and-run drivers are often treated like uninsured drivers, but the rules differ.
Questions to ask your agent
- Is this coverage required where I live?
- What limits are available, and how do they compare with my liability limits?
- Does it cover property damage as well as injury?
- How does it work with my health insurance or collision coverage?
Next step
A licensed agent can explain what applies in your state and compare options by phone. HavenLine is a referral service, not an insurance company.
Questions
Is uninsured motorist coverage required?
It depends on the state. Check with your state insurance department or an agent.
Does it cover me as a passenger?
Often it can cover people in your vehicle, but terms vary by policy.
General information only, not financial, legal or insurance advice. Rules, prices and benefits vary by state and by policy. A licensed professional can explain what applies to you.