Coverage pays if you're hit by uninsured or underinsured drivers today.
Compare top insurers and find the best protection for your car quickly now.
Uninsured and underinsured motorist coverage pays when you’re injured by a driver with no insurance or too little. It can cover medical bills and repairs. Some states require this coverage; others let you add it. Without it, you might pay expenses yourself. Our platform lists top companies so you can choose coverage within budget safely and confidently.
Pays for medical bills and rehabilitation for you and passengers after collisions.
Covers damage to your car when the at‑fault driver lacks insurance.
Compensation for pain, emotional distress or inconvenience resulting from an uninsured accident may be included.
Helps pay for injuries if a driver flees the scene afterwards.
Coverage is required in some states; optional elsewhere. Check laws.
Meets state-mandated requirements. Always.
You choose extra protection.
Helps secure your finances if others lack sufficient coverage.
Uninsured/underinsured motorist coverage helps pay your medical bills and repairs if an at‑fault driver has no or too little insurance. Liability insurance only covers costs for injuries and damage you cause to others. It excludes your expenses.
Uninsured/underinsured motorist coverage requirements vary by state. About half of states require UM/UIM in some form, and some only mandate bodily injury coverage. In states where it’s optional, insurers must offer it; you may decline by signing a form if you wish.
Uninsured motorist coverage usually covers injuries from hit‑and‑run accidents and may pay for damage too. However, property damage coverage for hit‑and‑run incidents isn’t available in some states, so check your policy details for further guidance.
Yes. You can select uninsured and underinsured motorist limits up to your liability limits; raising them increases protection but raises premiums. Discuss options with your insurer carefully.
