Insurance Product
Uninsured Motorist
Protection when others aren't insured
Protection when others aren't insured
Uninsured motorist (UM) and underinsured motorist (UIM) coverage protects you if you're in an accident caused by a driver who either has no insurance or doesn't have enough insurance to cover your damages. With approximately 13% of drivers uninsured nationwide, this coverage is essential.
If an uninsured driver causes an accident, you could be left paying for your own medical bills, car repairs, and lost wages. UM/UIM coverage acts as your safety net, ensuring you're protected even when the at-fault driver can't pay.
In some states, 1 in 4 drivers doesn't have insurance. Without UM coverage, you'd have to sue the at-fault driver personally to recover damages - often an impossible task.