Uninsured Motorist Coverage

Protection in the event that you get in an accident with a motorist that does not have insurance.

What is Uninsured Motorist Coverage?

There are two types of Uninsured Motorist Coverages:

  • Uninsured Motorist Bodily Injury Coverage: With this coverage, you're protected in an accident if the at-fault driver is uninsured. This coverage will pay for your injuries, up to the limit you choose.
  • Uninsured Motorist Property Damage Coverage: This coverage will help you pay for your car’s repairs in the event of an accident with an uninsured motorist. This coverage may not be available in all states.

What kind of Uninsured Motorist Coverage do I need?

Uninsured Motorist Bodily Injury Coverage is required in the following states as of 20201:

  • Connecticut
  • Washington, 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
However, even if this coverage is not required in your state, this coverage will help you pay medical costs, which can be helpful to you (and your wallet) if your health insurance requires a high deductible or out-of-pocket maximum.

Uninsured Motorist Property Damage Coverage is required in the following states:

  • Washington, D.C.
  • Maryland
  • New Hampshire
  • North Carolina
  • South Carolina
  • Vermont
  • Virginia
  • West Virginia
While not required in most states, Uninsured Motorist Property Damage Coverage will provide you with extra protection in the event of a collision accident with a driver that does not have insurance.

White car makes a turn on an open road.
1List subject to change
Optional coverage in some states; availability varies by state. Eligibility rules apply.