Uninsured/Underinsured Motorist Bodily Injury
Uninsured/Underinsured motorist bodily injury coverage protects you if an uninsured or underinsured motorist injures you. It helps cover medical expenses.
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PROTECT YOURSELF WITH UNINSURED/UNDERINSURED MOTORIST INSURANCE COVERAGE
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Uninsured/Underinsured Motorist Coverage
WHAT IS UNINSURED MOTORIST COVERAGE?
Uninsured motorist coverage is a safety net that protects you financially if you collide with a driver who does not have insurance. If you are on the road and get involved in an accident with a driver without proper insurance, this coverage will pay for the medical bills, lost wages, car repairs, and other expenses, ensuring peace of mind in such a situation. It also helps with legal fees, rehabilitation costs, and long-term disability expenses, offering comprehensive protection against hazards.
WHAT IS UNDERINSURED MOTORIST COVERAGE?
Underinsured motorist coverage is an insurance policy that protects you by covering expenses when the at-fault driver’s insurance isn’t enough to cover the damage in an accident with an underinsured motorist. This coverage helps cover medical bills, lost wages, pain and suffering, car repairs, and other related expenses. It also assists with rehabilitation costs, legal fees, and long-term disability expenses, ensuring financial protection, security, and peace of mind after an accident.
WHAT DOES UNINSURED/UNDERINSURED MOTORIST COVERAGE INCLUDE?
Uninsured/Underinsured Motorist Property Damage
Uninsured/Underinsured motorist property damage coverage pays for repairs if an uninsured or underinsured motorist damages your vehicle or property.
WHAT UNINSURED/UNDERINSURED MOTORIST COVERAGE DOES NOT INCLUDE?
While Uninsured/Underinsured Motorist (UM/UIM) coverage provides protection when the at-fault driver lacks adequate insurance, there are several things it does not cover:
Your Own Property Damage
UM/UIM coverage does not pay for damage to your own vehicle. For that, you would need collision coverage or comprehensive coverage.
Medical Payments
While UM/UIM covers injuries caused by an uninsured or underinsured driver, it does not cover medical expenses for your injuries. Medical Payments (MedPay) or Personal Injury Protection (PIP) would be needed for medical coverage.
Damage to Other People's Property
UM/UIM only covers injuries to you and your passengers. It does not cover property damage to someone else’s vehicle or belongings. Liability coverage is required for that.
Intentional Damage
If you are involved in an accident due to intentional actions (e.g., road rage or reckless driving), UM/UIM will not cover your damages.
Accidents with Hit-and-Run Drivers
In some states, UM/UIM may not cover hit-and-run accidents unless the other driver can be identified and verified as uninsured or underinsured.
Underinsured Coverage Beyond Policy Limits
UM/UIM only covers the difference between the at-fault driver’s coverage and your own coverage limits. If the other driver’s insurance is not sufficient to cover your costs, you may still need to pay the remaining balance out of pocket.
Understanding the exclusions of UM/UIM coverage helps you determine if additional coverage, such as collision or PIP, is needed to fully protect yourself.
WHY DO I NEED UNINSURED/UNDERINSURED MOTORIST COVERAGE?
Uninsured/Underinsured Motorist (UM/UIM) coverage is essential for protecting yourself against drivers who lack adequate insurance or fail to carry enough coverage. As of 2022, approximately 14% of U.S. drivers were uninsured, making the risk of encountering an uninsured driver significant.
This coverage ensures that your medical expenses, lost wages, and vehicle repair costs are covered if you're involved in an accident with an uninsured or underinsured driver. Without this protection, you may face substantial out-of-pocket expenses for medical bills, repairs, and other accident-related costs, potentially leaving you financially vulnerable.
UM/UIM coverage gives you the peace of mind knowing that you’ll be protected, even if the at-fault driver doesn’t have enough insurance to cover your needs.
HOW MUCH UNINSURED/UNDERINSURED MOTORIST COVERAGE DO I NEED?
Determining the appropriate amount of uninsured/underinsured motorist (UM/UIM) coverage depends on your financial situation and risk tolerance. It's important to assess your potential exposure to out-of-pocket expenses and the level of coverage you’re comfortable with.
Matching your UM/UIM limits to your liability coverage amounts is advisable to ensure balanced protection. For instance, if your liability coverage is $100,000 per person and $300,000 per accident, setting your UM/UIM coverage to the same limits can provide comprehensive and consistent protection in the event of an accident with an uninsured or underinsured driver.
Consulting an insurance professional can help you better understand your specific needs and help tailor the coverage that best fits your individual circumstances, ensuring you're fully protected without paying for unnecessary coverage.
HOW MUCH DOES UNINSURED/UNDERINSURED MOTORIST COVERAGE COST?
Underinsured motorist (UIM) coverage is often more affordable than regular bodily injury and property damage insurance. For example, quotes for a $25,000/$50,000 policy for a 34-year-old married man range from $33 to $76 per year. Even with higher limits of $100,000/$300,000, the premium increases only slightly, ranging from $86 to $134 annually. This coverage is cost-effective for drivers who want extra protection if involved in an unforeseen event. Below is the list of factors affecting your premiums:
Location (state and region)
Driving History
Age
Vehicle Type
Coverage Limits
Claims History
Insurance Provider
Marital Status
Credit Score
Deductible Amount
Annual Mileage
Occupation
Vehicle Safety Features
Type of Policy (e.g., basic or full coverage)
Risk Exposure (e.g., urban vs. rural driving)
Previous Accidents or Uninsured Motorists Involved
HOW DOES UNINSURED MOTORIST COVERAGE DIFFER FROM UNDERINSURED MOTORIST COVERAGE?
Uninsured Motorist Coverage applies when the at-fault driver has no insurance, while Underinsured Motorist Coverage comes into play when the other driver's insurance limits are insufficient.
Uninsured Motorist Coverage usually involves an entirely at-fault uninsured driver, whereas Underinsured Motorist Coverage may involve a partially at-fault driver with inadequate insurance.
Uninsured Motorist Coverage compensates up to your policy limits, while Underinsured Motorist Coverage supplements the at-fault driver's insurance up to the limits of your policy.
Uninsured Motorist Coverage may involve pursuing legal action against the uninsured driver, while Underinsured Motorist Coverage often focuses on negotiating with the at-fault driver's insurance company.
Uninsured Motorist Coverage premiums may depend on risk factors associated with uninsured drivers, while Underinsured Motorist Coverage premiums may be different due to varying risks associated with underinsured drivers.
SOME QUICK FACTS ABOUT UNINSURED/UNDERINSURED MOTORIST COVERAGE
In 2022, approximately 14% of drivers in the U.S. were uninsured, increasing from about 11% in 2019, leading to higher premiums and financial risks for insured motorists. (Wall Street Journal)
Twenty-one states and Washington, D.C., mandate drivers to carry UM/UIM coverage as part of their auto insurance policies, ensuring financial protection after unexpected accidents. (Finance Buzz)
Uninsured and underinsured motorists cost insured drivers nearly $13 billion annually in premiums, increasing overall insurance rates and financial burdens for responsible drivers. (Advisement)
The average cost of uninsured motorist coverage is $78 per insured vehicle annually, providing essential protection against uninsured and underinsured drivers' financial risks. (Finance Yahoo)
Washington, D.C., has the highest rate of uninsured drivers at 25.2%, while Wyoming has the lowest rate at 5.9%, which impacts insurance rates nationwide and increases financial risks. (Ifundoria)
GET A FREE UNINSURED/UNDERINSURED MOTORIST COVERAGE QUOTE
Looking for reliable protection against uninsured or underinsured drivers? At CINCO, we provide comprehensive UM/UIM coverage tailored to your needs. Just fill out the form, and our auto insurance agents will assist you in finding the best UM/UIM auto insurance.
If you prefer a different start, please contact us by phone, email, or in person for assistance. Get your free uninsured/underinsured motorist coverage quote today and enjoy the benefit of bundling multiple vehicles under a single policy!
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FREQUENTLY ASKED QUESTIONS REGARDING UNINSURED/UNDERINSURED MOTORIST COVERAGE
Excess uninsured motorist coverage provides additional protection when standard liability coverage is insufficient. It helps cover medical expenses, lost wages, and bodily injury and property damage caused by uninsured drivers. If your state requires higher limits, this insurance coverage ensures extra protection when you file a claim after an accident.
Supplementary uninsured motorist insurance enhances basic UM coverage by offering additional financial protection. It helps pay for damage, medical bills, bodily injury, and property damage beyond regular liability insurance. This coverage is valuable when uninsured and underinsured motorists cause accidents, ensuring your auto insurance policy effectively covers unforeseen costs and legal expenses.
Uninsured motorist insurance is essential, as many drivers lack car insurance or have insufficient liability coverage. It helps pay for damage, medical expenses, and lost wages when involved in an accident with uninsured drivers. Since some states require it, having UM coverage prevents financial strain and unexpected costs after an accident.
Uninsured motorist coverage typically extends to a permissive driver using your vehicle with consent. If involved in an accident with uninsured and underinsured motorists, they can file a claim for medical expenses, bodily injury, and property damage. However, insurance coverage terms vary, so reviewing your auto insurance policy is crucial.
Yes, uninsured motorist bodily injury coverage can often apply when an underinsured motorist coverage limit is too low to cover accident costs. If an at-fault driver’s liability coverage is inadequate, UM coverage can help pay for damage, including medical bills, lost wages, and rehabilitation costs, preventing financial hardship after an accident.
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