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A blonde woman in a beige coat and jeans, carrying a brown shoulder bag and holding keys, walks away from the camera toward a parked car in a dimly lit concrete parking garage.

Uninsured Motorist Coverage Explained

Uninsured Motorist Coverage pays for your injuries and vehicle damage when you're hit by a driver who has no insurance or flees the scene.

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What Is Uninsured Motorist Coverage Insurance?

Uninsured Motorist Coverage has two components: Bodily Injury (UMBI) pays your medical bills, lost wages, and pain and suffering when an at-fault driver has no insurance, and Property Damage (UMPD) covers your vehicle repair costs in the same scenario. It also activates in hit-and-run accidents where the other driver can't be identified. The coverage pays up to your selected limits after the at-fault driver's non-existent or inadequate policy is exhausted, functioning as a safety net when the liable party cannot compensate you.

A dark metal mailbox on a post with a white envelope protruding from its closed door, standing beside shrubs in front of a concrete driveway where a dark SUV is parked near a house at dusk.

Who Needs Uninsured Motorist Coverage Insurance?

Drivers completing SR-22 requirements should strongly consider Uninsured Motorist Coverage because you've already experienced the financial consequences of high-risk scenarios and understand how one accident can derail your progress.

For post-SR-22 drivers who've worked hard to restore their driving privileges, this coverage ensures one encounter with an irresponsible driver doesn't undo years of progress.

Related Coverage Types

A person's hand wearing a black watch holds a car key fob above a wooden counter with a stack of printed documents, a pen, a gray mug, and a spiral notebook, with a blurred kitchen behind.Liability Insurance→View from a driver's seat at night, with two hands gripping a steering wheel, an illuminated instrument cluster, and a dark road with blurred lights ahead through the windshield.Comprehensive Coverage→A bearded man in a dark cap and hooded sweatshirt sits in a vehicle's driver seat, pulling the seat belt across his chest toward the buckle.SR-22 Insurance→An open metal mailbox with a red flag on a dark post holds a white envelope, with a blurred car and house on a tree-lined residential street behind it.Full Coverage→
A woman with gray hair in a loose updo, wearing a cream knit sweater and light trousers, stands holding the open door of a silver car on a suburban street at sunset.

Your SR-22 Is Over. Your Rate Should Drop Too

Find Affordable Coverage After SR-22