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Uninsured & underinsured motor vehicle coverage

If you’re in an accident and the driver who hits you doesn’t have enough liability coverage – or even worse, none at all – what happens to you?

That’s why it’s important to consider adding coverage for an uninsured and under-insured motorist to your State Farm® Auto Insurance policy. Make sure you’re covered in the event of this unfortunate occurrence.

Should I buy uninsured and/or underinsured motor vehicle insurance?

Should I buy uninsured and/or underinsured motor vehicle insurance?

Whether uninsured motor vehicle coverage is necessary and what limits you need depends on a range of factors. Your state may require you to have uninsured motor vehicle coverage. Uninsured and underinsured motor vehicle coverage helps protect you in exactly these situations.

Imagine you’re in an accident. You’re not at fault, but you (or someone in your family) have suffered injuries that will take time to recover from, including extended time away from work.

In some cases, uninsured motorist coverage for damage to your car may be available. This coverage may provide coverage for the repair or replacement of your car damaged by an uninsured motorist.

What’s the difference between uninsured and underinsured coverage?

What’s the difference between uninsured
and underinsured coverage?

Both coverage types may cover expenses when you’re in an accident, such as:

  • Lost wages
  • Medical expenses
  • Pain and suffering
  • Related damages to your car (if applicable in your state)

With underinsured motor vehicle coverage, the at-fault driver’s insurance pays for damages up to their policy limits. Your coverage may pay for the damages above and beyond what their policy covers.

How does uninsured & underinsured motorist vehicle coverage work?

Drivers are required by law to carry liability insurance on their auto insurance policies. However, that doesn’t stop many people from driving without it, much less purchasing the minimum amount of liability coverage they’re required to by law.

Why choose uninsured motorist vehicle coverage

Why choose uninsured motorist vehicle coverage

Consider that one in eight drivers nationwide carries no car insurance at all, according to a 2017 report by the Insurance Research Council. That’s a nationwide average that varies by state, from less than 5 percent (about 1 in 20 drivers) in Maine to more than 26 percent (about 1 in 4 drivers) in Florida.

If you’re in an accident with one of these drivers, they may not have the money to pay for the damages they’ve caused. Adding uninsured motor vehicle coverage to your policy may provide protection for you in scenarios like these, and State Farm may provide coverage for your medical expenses, pain and suffering, and lost wages.

Why choose underinsured motorist vehicle coverage

Why choose underinsured motorist vehicle coverage

Underinsured motor vehicle coverage helps pay for the costs of an accident when you’re not at fault, even when the driver of the other car has liability insurance, but doesn’t have enough to cover the full extent of the damages caused by the accident.

Contact a State Farm agent

Want more than uninsured or underinsured coverage?

Want more than uninsured or underinsured coverage?

When it comes to car insurance, you’ve got plenty of policy options. State Farm can help you find the right coverage or how much auto insurance you might need. Coverage varies by state and your selection.

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Disclaimer

This document contains only a general description of coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements and may vary by state. For further information, please see a 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