Uninsured motorist coverage is a part of an auto insurance policy that helps protect drivers when they are injured or suffer losses caused by drivers who have no auto insurance or insufficient insurance. While liability coverage is legally required in most states, not all drivers comply with insurance laws, creating financial risk for responsible drivers.
This coverage is designed to step in when the at-fault driver cannot pay for injuries or damages. It can apply to medical expenses, lost income, pain and suffering, and in some cases property damage, depending on policy structure and state regulations.
This section explains how uninsured motorist coverage works, what it covers, what it does not cover, how claims are handled, and when the coverage becomes essential for financial protection.
Articles in This Section
- What Uninsured Motorist Coverage Typically Covers
- What Is Included in a Standard Uninsured Motorist Policy
- What Uninsured Motorist Coverage Does Not Cover
- How Uninsured Motorist Coverage Is Structured
- Uninsured vs Underinsured Motorist Coverage Explained
- How Uninsured Motorist Coverage Applies After an Accident
- Bodily Injury Coverage Under Uninsured Motorist Policies
- Property Damage and Uninsured Motorist Coverage
- When Uninsured Motorist Coverage Is Required by Law
- How Uninsured Motorist Coverage Affects Auto Insurance Premiums
- When Uninsured Motorist Coverage Is Worth Carrying
- When Dropping Uninsured Motorist Coverage Makes Sense
- How State Laws Impact Uninsured Motorist Coverage
- How Uninsured Motorist Claims Are Filed and Paid
- How Uninsured Motorist Coverage Works With Medical Bills
- Common Misunderstandings About Uninsured Motorist Coverage
- Uninsured Motorist Coverage for Passengers and Family Members
- Uninsured Motorist Coverage and Hit-and-Run Accidents
- How to Review and Adjust Uninsured Motorist Coverage
- When Uninsured Motorist Coverage Is Not Enough
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