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Uninsured Motorist Coverage

Uninsured motorist coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene.

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What Is Uninsured Motorist Coverage Insurance?

Uninsured motorist coverage functions as backup insurance when the at-fault driver has no liability policy or insufficient coverage to pay your claim. It covers your medical expenses, lost wages, pain and suffering, and in most states your vehicle damage through a companion coverage called uninsured motorist property damage. The coverage triggers after you've exhausted the at-fault driver's policy limits or when the driver cannot be identified, such as in hit-and-run accidents. Your own collision coverage may also pay for vehicle damage in these scenarios, but uninsured motorist property damage typically has no deductible.

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Who Needs Uninsured Motorist Coverage Insurance?

Senior drivers on Medicare should carry uninsured motorist coverage because Medicare does not cover injuries caused by auto accidents — those bills fall to your auto insurance or out-of-pocket payment. If you drive a paid-off vehicle and dropped collision coverage to reduce costs, uninsured motorist property damage becomes your only protection against an uninsured driver damaging your car.

If that amount would materially affect your retirement savings or force you to liquidate assets, carry the coverage. If you've dropped collision and comprehensive to save money, add uninsured motorist property damage to maintain protection against the most common cause of total loss for older vehicles.

Related Coverage Types

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Liability Insurance→

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Collision Coverage

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Medical Payments Coverage

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Personal Injury Protection

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Find Coverage Made for Drivers Over 65

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