{"id":3134,"date":"2024-11-08T02:51:23","date_gmt":"2024-11-08T10:51:23","guid":{"rendered":"\/wp-site\/?p=3134"},"modified":"2025-12-03T08:15:58","modified_gmt":"2025-12-03T16:15:58","slug":"uninsured-motorist-coverage","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/uninsured-motorist-coverage\/","title":{"rendered":"What is Uninsured Motorist Coverage?"},"content":{"rendered":"\n

Uninsured motorist (UM) coverage pays for your medical bills and other expenses when you’re hit by a driver who doesn’t have car insurance, protecting you from<\/strong> paying thousands out of pocket<\/strong> when someone else causes an accident.<\/p>\n\n\n\n

Jerry has helped 66,454 drivers<\/strong> add uninsured motorist coverage to their policy in the past year, and we recommend it for anyone on the road. <\/p>\n\n\n\n

It\u2019s one of the most affordable types of car insurance<\/strong><\/a> for protecting yourself from uninsured drivers, with our customers typically paying $77\u2013$195 per month<\/strong> for a state minimum policy that includes UM. That\u2019s only about $10\u2013$26 more per month<\/strong> than the same policy without it. The added peace of mind is often well worth the cost.<\/p>\n\n\n

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Jerry pulls up to 20 quotes from top rated carriers.<\/strong><\/p>\n\n\n\n

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Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

What uninsured motorist covers<\/h2>\n\n\n\n

Whether you need UM coverage or not depends on your specific situation:<\/p>\n\n\n\n

Covered<\/th>Not covered<\/th><\/tr><\/thead>
Medical bills after being hit by an uninsured driver.<\/td>Your medical bills when you cause an accident.<\/td><\/tr>
Lost wages from injuries caused by uninsured drivers.<\/td>Car repairs in states without UMPD.<\/td><\/tr>
Car repairs after being hit by an uninsured driver (in states where UMPD is included).*<\/td>Accidents with insured drivers.<\/td><\/tr>
Funeral expenses from fatal accident with uninsured driver.<\/td><\/td><\/tr>
Pain and suffering compensation.<\/td><\/td><\/tr>
Hit-and-run accidents.**<\/td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

*UMPD (uninsured motorist property damage) is car insurance coverage that pays to repair or replace your vehicle if it’s damaged by a driver who doesn’t have insurance<\/em>. Depending on your state, UMPD may be automatically combined with UM coverage or sold separately.<\/em>
**Covered in most states<\/em>.<\/p>\n\n\n

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Jerry recommends:<\/strong> Consider uninsured motorist coverage if you live in states with high rates of uninsured drivers, like Florida<\/strong><\/a> (20.6%), <\/strong>Mississippi<\/strong><\/a> (28.2%), or <\/strong>New Mexico<\/strong><\/a> (24.1%)<\/strong>, even if it\u2019s not mandated by law.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

Is uninsured motorist coverage required?<\/h2>\n\n\n\n

Uninsured motorist coverage is mandatory in about half of U.S. states<\/strong> and Washington, D.C., so whether you need it depends on where you live. <\/p>\n\n\n\n

In states where it’s not required, insurers typically offer UM as optional coverage that you can decline in writing<\/strong> if you choose not to add it to your policy. <\/p>\n\n\n