Uninsured Motorist Coverage

Protection if you're in an accident with a driver that doesn't have insurance.

Begin your free online quote

What is Uninsured Motorist Coverage (UM)? What does it cover?

We offer 2 types of Uninsured Motorist Coverage

  • Uninsured Motorist Bodily Injury Coverage (UMBI): Helps provide protection for an accident with an uninsured at-fault driver. In some states, it can also cover a hit-and-run. This coverage pays for your injuries, up to your chosen limit.
  • Uninsured Motorist Property Damage Coverage (UMPD): Pays for your car's repairs if you're in a covered accident with someone with no insurance. It may not be available in all states.
White car makes a turn on an open road.

What kind of UM Coverage do I need?

These states required UMBI Coverage as of 20231
  • Connecticut
  • District of Columbia (D.C.)
  • Illinois
  • Kansas
  • Maine
  • Maryland
  • Massachusetts
  • Minnesota
  • Missouri
  • Nebraska
  • New Hampshire
  • New York
  • North Carolina
  • North Dakota
  • Oregon
  • South Carolina
  • Vermont
  • Virginia
  • West Virginia
  • Wisconsin

Even if UM isn't required in your state, it can be beneficial for you. For example, if your health insurance has a high deductible or an out-of-pocket maximum, it can help you (and your wallet) with medical costs.

These states require UMPD Coverage

  • District of Columbia (D.C.)
  • Maryland
  • New Hampshire
  • North Carolina
  • South Carolina
  • Vermont
  • Virginia
  • West Virginia

While not required in most states, UMPD Coverage can provide extra protection if you're in an accident with a driver that doesn't have insurance. See what coverage is required in your state.

Do I need UM Coverage if I have Collision Coverage?

You may need UM Coverage based on state law. Also, beyond extra protection, UM may also provide a low or no deductible. Please note, UMBI can help pay for injuries where Collision Coverage doesn't.

How much UM do I need?

The amount of coverage you need depends on your situation and your state requirements. You should get enough coverage to pay for damages and injuries if you're in an accident with someone who doesn't have insurance.

Other insurance coverages for your medical expenses

Loading...

Personal Injury Protection Coverage

Also known as PIP for short, this coverage addresses injury related expenses from an accident.
Loading...

Medical Payments Coverage

Coverage that pays for your initial medical expenses if you're hurt in an accident, regardless of who is at fault.

Begin your free online quote

Loading...

Ready for a quote?

Already have a Liberty Mutual auto policy?

1List subject to change
Optional coverage in some states; availability varies by state. Eligibility rules apply.