04/09/2026
What Is Uninsured and Underinsured Motorist Coverage?
Uninsured and underinsured motorist coverage helps protect you when the driver who caused the crash does not have insurance or does not have enough coverage to pay for your losses. Even though insurance is required, many drivers carry no coverage or only the minimum limits, which may fall short after a serious accident.
Uninsured motorist coverage applies when the at-fault driver has no insurance or leaves the scene in a hit-and-run. Underinsured motorist coverage applies when the other driver has insurance, but their policy limits are too low to cover medical care, time away from work, and other costs.
These coverages are part of your own policy and can help with medical bills, follow-up care, and related losses. Because the claim runs through your insurer, it can provide clearer support when the other driver’s coverage is missing or limited.
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