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However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. If a driver without insurance hits your vehicle, you could be on the hook for big medical and repair bills — unless you have uninsured motorist coverage.
In some states this coverage is required, but you can get it in others as well. Easily compare personalized rates to see how much switching car insurance could save you. An uninsured motorist is a person without liability car insurance.
Uninsured motorist coverage is often sold with underinsured motorist coverage. They both pay for the same expenses after an accident, with one key difference: Uninsured motorist coverage pays out after a crash with an at-fault driver who has no insurance, while underinsured motorist coverage is reserved for accidents with an at-fault driver who has some insurance, but not enough to cover all costs.
Learn more about underinsured motorist coverage. Uninsured motorist coverage pays for injuries or damages that you, family members in your household or passengers in your car suffer after an accident with an at-fault driver who has no insurance. Also, it's important to know that uninsured motorist property damage coverage is not available in some states.
When you drive with quality coverage, you drive with peace of mind. Allstate auto insurance can help you stay protected for wherever the road takes you. Say you're involved in an accident that wasn't your fault. In most circumstances, you'd file a claim with the at-fault driver's car insurance company, get your car repaired and recoup compensation for any lost wages or medical expenses. No out-of-pocket expenses to you. But what if the driver who sideswiped you doesn't have car insurance or doesn't have enough of it?
Minimum liability insurance requirements don't always offer enough coverage after a car accident. Underinsured motorist coverage helps pay your expenses if you're hit by an underinsured driver.
In some states, uninsured and underinsured motorist coverages are bundled together as a single coverage on your auto policy. Each state defines "underinsured" a bit differently. Typically, it's a driver who doesn't have enough insurance to cover someone else's damages if he or she is found at fault in an accident.
For instance, an underinsured driver might have auto liability insurance but either:. Uninsured motorist insurance protects you if you're in an accident with an at-fault driver who doesn't carry liability insurance. Underinsured motorist coverage steps in when you're in an accident with an at-fault driver whose liability limits are too low to cover the medical expenses of any injured people. The at-fault driver's insurance will typically pay for all damages up to his or her auto insurance policy limits, then your underinsured motorist coverage may cover the excess amount up to the limits you select.
Many states require drivers to carry at least uninsured motorist coverage, if not both uninsured and underinsured motorist coverage. However, if you purchase insurance, uninsured motorist bodily injury coverage is required and includes underinsured motorist bodily injury coverage as well. If you purchase higher auto liability limits, then you must also purchase uninsured motorist bodily injury coverage.
Additionally, uninsured motorist coverage includes underinsured motorist, bodily injury and property damage coverage. If you purchase insurance, you must have uninsured motorist which includes both property damage and bodily injury and underinsured motorist coverage. Like liability insurance, uninsured and underinsured motorist coverage breaks down into two coverage types: bodily injury and property damage. Uninsured motorist property damage UMPD and underinsured motorist property damage UIMPD are designed to protect your car if someone hits you and doesn't have insurance or enough insurance.
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Keep in mind that collision coverage will also cover damage to your vehicle when someone else is at fault. Both collision and UM pay for damages from an accident with an uninsured driver.
The main difference is UM typically has a lower deductible. UM may also cover property damage to your home if damaged due an uninsured driver where collision does not. Collision pays out regardless of who is at fault but only covers your car.
Check with your provider to see what the limits are for both collision and UM coverage. It may be worth the additional UM coverage if your collision limits are low or the deductible is high. If you feel you have substantial collision coverage, you might feel comfortable skipping the uninsured motorist coverage.
The only con is that it costs more. You pay more upfront to reduce potential costs later. Uninsured motorist coverage costs vary greatly by state and provider. If you are willing to pay out-of-pocket for expenses caused by an uninsured driver, then you can certainly take that risk. Collision coverage will cover damage to your vehicle when someone else is at fault. Check with your insurance provider on your collision limits before deciding on adding UM coverage.
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