Underinsured motorist coverage is a type of auto insurance that covers property damage and medical bills from an accident caused by a driver with insufficient insurance.
Rising premiums are prompting more motorists to drop insurance. Their choice pushes up premiums for the rest of us.
Uninsured/underinsured motorist coverage can help pay for accident damages and medical costs caused by someone with inadequate insurance coverage.
Uninsured motorist coverage (UM) protects you if a driver lacking sufficient insurance hits you. ; UM covers costs related to you and your passenger's bodily injuries and property damages. ; Some states have minimum requirements for UM and underinsured motorist (UIM) coverage.
Type of coverage, Average cost per year ; Uninsured motorist bodily injury (UMBI), $136 ; Underinsured motorist bodily injury (UIMBI), $90 ; Uninsured motorist property damage (UMPD), $36 ; Underinsured motorist property damage (UIMPD), $46
Underinsured and uninsured motorist coverage at Allstate helps you drive with peace of mind. Learn more about how you may benefit from these coverages if you're hit by another driver who doesn't ha...
What happens when the driver who hit you doesn't have coverage? Learn how uninsured and underinsured motorist coverage can help protect you after an accident.
How many people drive without insurance? ; Uninsured motorists by state ; What states require uninsured/underinsured motorists coverage? ; How to protect yourself from uninsured motorists
Uninsured motorist (UM) coverage may pay a policyholder's damages after an accident with a driver who does not have insurance or a hit-and-run.
What does an uninsured motorist policy cover? ; What states require uninsured motorist coverage? ; Do I need uninsured motorist coverage if I have collision coverage?