Uninsured Motorist Coverage

Finding the Best Uninsured Motorist Coverage

(For when your luck gets into an accident with someone without insurance)

Greg Lewerer | June 8, 2018
woman driving a car

We all drive from here to there hoping to avoid an accident, but if we were to have some bad luck, at least we have auto insurance, right? Unfortunately, not everyone is responsible enough to have coverage. If you end up in a crash with one of those uninsured jerks, who is going to end up paying the bills?

Our independent agents are here to educate and protect. They’ll make sure you have the proper uninsured motorist coverage to keep the wheels turning and your bank account intact.

What Is Uninsured Motorist (Bodily Injury) Coverage?

Uninsured motorist bodily injury coverage protects you and your passengers financially in the event of an accident with someone who doesn’t have car insurance or is delinquent in making their car payment. 

What’s the Difference Between Uninsured and Underinsured Motorist Coverage?

Uninsured motorist coverage versus underinsured motorist coverage is exactly how it sounds, but to spell it out, here is how they’re different.

  • Uninsured motorist coverage: When the other driver doesn’t have any coverage at the time of an accident.
  • Underinsured motorist coverage: When the other driver has insurance but doesn’t have enough coverage to pay for all expenses. 

Is Uninsured Motorist Coverage Mandatory?

Technically, no. However, some states require this type of coverage in standard auto policies: Connecticut, District of Columbia, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia , West Virginia and Wisconsin.

map of all 50 states that require uinsured motorists coverage

Don’t freak out, if you live in a state that doesn’t require uninsured motorist coverage, you can still choose to add it to your auto policy.

Why Do I Need Uninsured Motorist Coverage?

Not only does uninsured motorist coverage protect you if you happen to get hit by the bad luck bear, it will also help to pay for medical costs, pain and suffering, and lost wages associated with the accident.

How Much Uninsured Motorist Coverage Do I Need?

If you live in a mandatory insurance state, your insurer may automatically add the minimum amount to your auto policy. If it’s not required or want to add to the minimum, it’s recommended to have at least $100,000 per person and $300,000 per accident.

What Does Uninsured Motorist Coverage Cover?

Whether you get in an accident with an uninsured driver or an underinsured driver, uninsured motorist 

coverage will help pay for a number of expenses to get you back on the road with all your body parts intact.

  • Property damage to repair your own vehicle (up to $3500).
  • Other property damage besides your vehicle
  • Medical expenses of your family members if they are harmed by an uninsured motorist
  • Lost wages, and/or lost earning ability
  • Non-financial costs, such as pain and suffering

In most cases, uninsured motorist coverage should cover a hit and run, but it's a case-by-case basis and you’ll want to work with your insurance agent in light of a hit and run.

How Much Does Uninsured Motorist Coverage Cost?

The cost of an uninsured motorist policy depends on a number of factors including location, age, and the amount of coverage you choose, but on average it will be around $50 a year. An important thing to remember about cost and coverage is that it cannot exceed your auto liability policy.

Example: If you purchased $100,000 bodily injury, $300,000 per accident and $50,000 property damage coverage, uninsured motorist and underinsured motorist (combined coverage) cannot exceed $100,000/$300,000 for bodily injury. 

Do I Need Uninsured Motorist Coverage If I Have Health Insurance? 

Yes. Uninsured motorist bodily injury coverage can pay you for loss of time at work, medical payment to assist with the deductible. It can also cover services like acupuncture and chiropractor visits, that may not be covered under your health insurance plan. 

The Awesome Benefits of an Independent Agent

Our agents can help you determine the right amount of uninsured motorist coverage and will walk you through a handpicked selection of sweet policy options. Not only that, they’ll cut the jargon and clarify the fine print, so you know exactly what you’re getting.

Most importantly, they’ll be there to help you file a claim. The outcome of insurance claims can be strongly impacted by how the process is approached and handled.

Stupid-Simple Insurance.

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Finding and Comparing Uninsured Motorist Coverage Quotes?

Our gifted agents will review your needs and help you evaluate the best uninsured motorist coverage for you. They'll also compare policies and quotes from multiple insurance companies to make sure you have the proper protection to keep you safe.

TrustedChoice.com Article | Reviewed by Irene Herman

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