Skip to Main Content
Find an Agent
Contact Us
Search
Search
People exchanging info after a car accident

Uninsured Motorist Coverage

Car Insurance Add-On

  • Provides protection if an uninsured or hit-and-run driver is at fault for a collision with your vehicle
  • Helps cover bodily injury costs for you and your passengers if the at-fault driver has no insurance
Continue Previous Quote

Learn More

Arrow

What is uninsured motorist coverage?

Nearly every state legally requires drivers to have up-to-date auto insurance. That doesn’t mean they all do. If a driver can’t help cover your unexpected losses from an accident they caused, this coverage could help.
shield divider

How Uninsured Motorist Coverage Protects You**

Uninsured motorist coverage offers protection when the other driver doesn’t. Uninsured motorist coverage helps protect you from unexpected financial pain caused by drivers who don’t have insurance. Learn more from the following examples.
Lightbulb

Did you know?

Approximately 12.6% of US drivers don’t have car insurance.*** That’s a one-in-eight chance of you being the only insured driver in a collision.
arrow pointing down

Loss of Income

You emerge from an accident with a broken hand. It could’ve been worse, but the injury will hinder your ability to perform your job. If the at-fault driver didn’t have insurance, this coverage can provide compensation.
medical and dental expenses

Medical Expenses

If a careless driver hits your vehicle and you require hospital care, their insurance should cover your injuries. If they don’t have an active auto policy, uninsured motorist coverage can help compensate you for any incurred medical expenses.
two roses on a headstone

Funeral Costs

Uninsured Motorist coverage can lift some of the financial burden for a funeral if the death results from a fatal encounter with an uninsured driver.
question mark

Frequently Asked Questions

Trusted by over 12 Million Customers & Counting

a white t-shirt with blue text

90+ Years

Over 90 years in business protecting our customers
a blue star with a black background

Ranked by Forbes

Named one of America's Best Insurance Companies by Forbes

icon

12 Million Customers

Reliable, quality coverage for customers across 19 states

Start Your Quote

Do It Yourself - Start a Quote

Do It Yourself

Go your own way — get quick pricing and coverage options online.
Work With An Agent

Work with an Expert

Choose the perfect agent for you and get free, no-pressure advice and pricing.
Find an Agent

*This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.

**Coverage provided for covered losses up to your policy limits. Refer to your policy for details.

***Insurance Research Council, One in Eight Drivers Uninsured, https://www.insurance-research.org/sites/default/files/downloads/UM%20NR%20032221.pdf (last visited August 18, 2023).

†Insurance Business, Revealed – US states that require uninsured motorist coverage, https://www.insurancebusinessmag.com/us/guides/revealed--us-states-that-require-uninsured-motorist-coverage-417485.aspx#:~:text=Which%20states%20require%20uninsured%20motorist%20coverage%3F (last visited August 18, 2023).