What Is Uninsured/Underinsured Motorist Coverage?

If you get in an accident with a driver who either has no insurance or not enough insurance to cover the damages, and they are at fault, you will likely need to pay for your own medical expenses and property damages. Given that an estimated 1 in 8 of all U.S. drivers do not have insurance, this scenario is more likely than you might expect. Even if the other person has state minimum insurance, that might not be enough to actually cover your expenses. Depending on how severe the accident is, this can be incredibly financially taxing for you -- unless you have uninsured/underinsured motorist coverage.

With uninsured/underinsured motorist coverage, you’re covered for any gap in the other driver’s coverage. You can rest-assured that you are financially protected, regardless of how much insurance other drivers do or do not have.

Uninsured/underinsured motorist coverage is required in some states, while others make it optional.

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Should I Get Uninsured/Underinsured Motorist Coverage?

If your state doesn’t already require it, you may be tempted not to get uninsured/underinsured motorist coverage. Your premiums will be lower if you don’t, but keep in mind that there is a high percentage of drivers that either have no insurance or not enough insurance on the road. Drivers who opt for state minimum insurance are often underinsured, actually -- the liability minimums in some states may not be enough to cover all your expenses.

Some states have higher rates of uninsured drivers, as well -- in Florida, it sits at nearly 27%. If you live in a state with a particularly high percentage on uninsured drivers, that is greater reason to consider adding this to your policy.

Uninsured/Underinsured motorist coverage offers peace of mind when it comes to financial wellness. It is an unfortunate truth that a lot of drivers don’t have the insurance necessary to cover an accident, and you don’t want to be left in debt because of it.

Enjoy the peace of mind of uninsured/underinsured motorist coverage. Enter your zip code now to compare the best quotes and save!