Do I Need Uninsured Motorist Coverage?
See how many uninsured drivers are in your state and whether UM/UIM coverage makes sense for your situation. Get a personalized recommendation in 30 seconds.
Your Situation
Why Uninsured Motorist Coverage Matters
1 in 8 Drivers
Nationally, about 12.6% of drivers have no insurance. In some states like Mississippi and Florida, it's nearly 1 in 4.
Hit-and-Run Protection
UM coverage also protects you in hit-and-run accidents where the at-fault driver can't be identified.
Underinsured Drivers
UIM coverage kicks in when the at-fault driver has insurance, but not enough to cover your medical bills or damages.
Frequently Asked Questions
What's the difference between UM and UIM?
UM (Uninsured Motorist) covers you when hit by someone with NO insurance. UIM (Underinsured Motorist) covers the gap when the at-fault driver's insurance isn't enough to cover your damages. Most policies combine these as UM/UIM.
Is uninsured motorist coverage required?
It depends on your state. About 20 states require UM/UIM coverage, including CT, IL, MA, MD, MN, NJ, NY, NC, and OR. Even where it's optional, many insurance experts recommend it.
How much does UM/UIM coverage cost?
UM/UIM is one of the most affordable coverages, typically adding $50-200 per year to your premium. The exact cost depends on your state, coverage limits, and driving history.
What does UM/UIM coverage include?
UM/UIM typically covers: medical expenses, lost wages, pain and suffering, and sometimes property damage. Coverage limits are usually per person and per accident (e.g., 100/300 means $100K per person, $300K per accident).
Does health insurance cover car accident injuries?
Health insurance can cover medical bills, but it won't cover lost wages, pain and suffering, or vehicle damage. Plus, your health plan may try to recover costs from any settlement you receive. UM/UIM fills these gaps.