Uninsured motorist coverage is an available option you can choose to add under most all car insurance policies. When both uninsured motorist property damage and uninsured motorist bodily injury are purchased as part of your policy, these coverages will provide coverage to you, the insured, for your claims of damage or injuries sustained from a car accident where the at-fault part is uninsured.
Uninsured motorist bodily injury coverage varies according to the terms of your policy and state laws but in general it pays, up to the limit of your policy, for medical expenses, funeral expenses, lost wages and pain and suffering if you are hit by an uninsured driver. It also covers your passengers if they are hurt by the at-fault uninsured motorist.
This uninsured motorist property damage coverage will pay for property damage, up to the limits stated in your policy, if you are hit by an uninsured driver that is found liable for the accident. In some states, uninsured motorist property damage policies come with a deductible to pay. In other states, may only pay out your collision deductible if you also have that coverage, or not available at all.
Offerings for uninsured motorists vary greatly by state, so check with your agent or state insurance regulator to find out more about what your specific options are.
The decision to purchase uninsured motorist coverage is really up to you and your individual needs, if state laws don't require you to carry it as part of their minimum car insurance requirements. You need to consider the different risks that you, your auto and possible passengers of the car are going to face when out on the roadways. Our coverage calculator might help you decide if uninsured motorist is needed in your specific situation.
Uninsured motorist coverage doesn't always directly relate to "uninsured drivers." We agree that the states should enforce insurance laws, but there are situations where drivers may be driving legally, but still uninsured or underinsured.
CarInsurance.com believes you should buy as much insurance as you can afford. I have uninsured motorist on my policy.