Underinsured Motor Vehicle Coverage

Underinsured motor vehicle coverage pays for your medical expenses, lost wages, and related damages, if you're hurt in a car accident caused by someone with liability insurance, but whose coverage limits are lower than those you choose for this coverage, and aren't high enough to pay your damages.

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How It Works

Motorists are legally required to have liability insurance in nearly every state in the U.S. But many people just carry the minimum amount that's required by law. If you're in an accident caused by one of these motorists, their liability coverage may not be enough to cover all of your damages.

With underinsured motorist insurance, your own insurance company helps pay for covered expenses if the at-fault driver's liability insurance limits are lower than those you set in your policy, and aren't sufficient to pay your damages.

Should You Have Underinsured Motor Vehicle Coverage?

If you or someone in your family is hurt in an auto accident, can you afford to pay for medical care, or be without an income during recovery?

Underinsured motor vehicle coverage may protect you from these potential hardships.

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Here to Help Life Go Right®

State Farm has plenty of auto insurance options. You can get an auto insurance quote online, or speak with an agent who'll be happy to help you select insurance products and coverage amounts that are right for you.


Please remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverage options may vary by state. To learn more about auto insurance coverage in your state, contact your State Farm agent.

State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
Bloomington, IL

State Farm County Mutual Insurance Company of Texas
Richardson, TX