What is uninsured motorist auto insurance?

FREE Car Insurance Comparison

Secured with SHA-256 Encryption

Call for FREE quotes: (888) 442-5196

Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in...

Full Bio →

Written by

Chris Harrigan has an economy degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise...

Full Bio →

Reviewed byChris Harrigan
Former Insurance Claims Managerhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/cicompaniescom-live/1f43458a-chris-harrigan23.jpg

UPDATED: May 4, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways...
  • Uninsured/underinsured motorist coverage is one of the most important types of car insurance
  • There are many scenarios where uninsured motorist coverage can protect you
  • Other factors can raise your car insurance rates — adding uninsured motorist coverage, not so much

An optional feature to car insurance is the uninsured motorist policy coverage. Uninsured/underinsured motorist insurance is one of the most important types of coverage any driver should consider.

Most (if not all) states do not require drivers to have this coverage in state minimum car insurance requirements. However, that is not surprising due to the utterly ridiculous minimum car insurance limits most states set anyway.

Want to ensure that you have better and more affordable coverage? Enter your ZIP code above and compare at least three to four policies today!

Scenarios When Uninsured Motorist Coverage Protects You

Having an auto insurance policy which includes an uninsured motorist coverage provides protection for injuries to both the policyholder(s) and passenger(s) in the event of an accident where:

  • The at-fault driver does not have a liability policy or any car insurance at all
  • The at-fault driver has auto insurance coverage, but is underinsured, meaning their coverage is not enough to also pay for your claims
  • You are a victim of a hit-and-run car accident
  • The other driver has a policy no longer valid or coverage provided by a car insurance company who is not able to pay the claim or denies coverage

Uninsured/underinsured motorist car insurance also provides coverage for injuries sustained by a vehicle to the policyholders.

For example, if you are walking across the street and another car hits you, it is the uninsured motorist car insurance which will cover your medical expenses, lost wages, etc.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

More About Uninsured/Underinsured Motorist Coverage

Many car insurance companies also provide coverage for physical property damaged by uninsured motorists, but this feature varies by state and by company.

Please note that most property damage would probably also be covered by your general homeowner’s insurance policy. Always check that you are not overpaying for insurance by having two separate policies which cover the same thing.

The cost of adding almost any supplemental insurance to your car insurance policy is very low, but the actual premium increase will vary depending on:

  • Your driving record
  • Your vehicle
  • Where you live
  • Marital status
  • Your credit history, etc.

Ultimately, it is up to the car insurance company to decide what factors are important.

And if you’d like to decide which car insurance quote is better, enter your ZIP code below and start comparison shopping today!

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption