Uninsured Motorist Auto Insurance

Uninsured Motorist coverage provides compensation for bodily injury to policyholders and passengers in the event that an insured's vehicle is struck by a driver who does not carry a liability policy, has coverage that does not meet the state's financial responsibility requirement (underinsured), are victims of a hit-and-run or if the other driver has an invalid policy because the insurer is insolvent or denies coverage. Also covered are injuries sustained by the insured or members of the household if struck by a vehicle as a pedestrian. Coverage includes compensation for medical payments, lost wages, pain and suffering and loss of consortium. Some states offer the ability to obtain uninsured motorist which also covers property damage in addition to bodily injury by adding an endorsement to the policy.

To find out how much Uninsured Motorist coverage costs, enter your zip code below to get quotes from multiple companies.

Uninsured or Underinsured Motorist (UM) protection is valuable, especially if no separate medical coverage exists or if no physical damage protection was purchased. Having UM may also waive collision deductibles for the policyholder in the event of an uninsured at fault party. Consider this extra level of security since it may only add a small additional premium, it's definitely worth quoting.