What is Uninsured Motorist Coverage?

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently...

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Reviewed byBrad Larsen
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UPDATED: Mar 13, 2020

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In a nutshell...
  • It’s straightforward to find yourself in a situation where the driver at-fault simply never had enough coverage
  • UM, and UIM car insurance is very cheap compared to liability and comprehensive auto insurance
  • Almost all car insurance companies offer uninsured motorist coverage as an option to your policy

Uninsured motorist coverage is a type of car insurance usually sold as part of the uninsured and under-insured motorist coverage option.

This form of car insurance protects from damages and injuries caused by accidents where the at-fault party has either no insurance or not enough insurance.

Uninsured motorist and underinsured motorist is not required in all states, but in some states like Maryland and South Carolina, it is mandated by law.

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Why do I need uninsured motorist insurance?

Imagine being hit by someone with no car insurance or leaving the mall to realize you are the victim of a hit and run accident? Both uninsured and underinsured coverage are two forms of auto insurance which are extremely necessary in today’s world.

Many states report an ever-increasing number of uninsured drivers and more and more people are looking to cut costs, so the number of underinsured drivers is also increasing.

Underinsured and uninsured coverage act as financial protection for you and your vehicle from accidents caused by other drivers operating a vehicle without sufficient coverage.

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What does uninsured and underinsured motorist cover?

While all states have some form of mandatory minimum auto insurance requirements, never assume that all drivers opt to purchase such insurance and realize that many state minimum requirements are so low.

When you have uninsured and underinsured motorist insurance as part of your policy then its protection against:

  • Drivers who have no car insurance
  • Drivers who are under-insured
  • Drivers who are insured by a company unable to pay claims
  • Hit and run accidents
  • Pedestrian injuries to the policyholder

Uninsured motorist coverage not only protects your vehicle but also to you from damages when walking around.

UIM and UM car insurance is very affordable and can play a critical role in the event of a claim so never secure an auto insurance policy without considering underinsured and uninsured motorist insurance.

How affordable is uninsured motorist coverage?

UM, and UIM car insurance is very cheap compared to liability and comprehensive auto insurance.

The cost of adding both types of auto insurance coverage to a policy is usually less than $200 a year depending on your profile.

Almost all car insurance companies offer uninsured motorist coverage as an option to your policy.

Some states even required both UMI and UM auto insurance by law but since many do not it’s essential to inquire about this type of car insurance whenever you speak with an agent.

The cost is minimal at best, but the coverage is essential to your financial protection while operating a vehicle.

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References:
  1. https://www.esurance.com/info/car/uninsured-and-underinsured-coverage
  2. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  3. https://www.allstate.com/tools-and-resources/car-insurance/hit-and-run.aspx
  4. https://www.esurance.com/info/car/myth-comprehensive-covers-everything

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