The Truth About Uninsured Motorist Coverage

Uninsured motorist coverage helps protect you and your vehicle from financial losses if there is a car accident caused by someone who doesn’t have auto insurance. The two types of uninsured motorist coverage are uninsured motorist bodily injury coverage (UMBI) and uninsured motorist property damage coverage (UMPD). This is different from underinsured motorist protection which is only used if the person causing the accident doesn’t have adequate insurance to cover your losses. Uninsured motorist coverage will help cover medical expenses, lost income, funeral costs and psychological treatment resulting from a car accident. UMBI is required in Connecticut, the District of Columbia, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Jersey, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, West Virginia and Wisconsin. UMPD is required in Maryland, New Jersey, North Carolina, South Carolina, Vermont and West Virginia. If you are in an accident, call 911, get the information of the at-fault driver, take pictures of the damage, collect information from any witnesses, file a police report and contact your insurance company.

If you’re not sure if you need uninsured motorist coverage or you’re just not sure what it is, keep reading and get your questions answered with our in-depth analysis.

What Is Uninsured Motorist Coverage?

Uninsured motorist coverage provides financial protection should you be in an accident caused by someone who does not have auto insurance. There are two kinds of uninsured motorist coverage. One is uninsured motorist bodily injury coverage (UMBI) and the other is uninsured motorist property damage coverage (UMPD).

UMBI provides financial protection for physical injury if you’re in an accident caused by someone who doesn’t have auto insurance.

UMBI will cover the physical damages you would normally be paid from an insured driver. Hit-and-run drivers are also classified as uninsured motorists, and your insurance will cover damages even if you don’t know who hit your car. UMBI will help cover your medical expenses and lost wages. UMBI will also apply to damages for pain and suffering, meaning your insurance company provides coverage for emotional and psychological treatment up to your policy’s limit. This protection extends to relatives who live in your household and passengers who were injured by an uninsured or hit-and-run driver while in your vehicle. It also affords protection outside the vehicle if you were injured as a pedestrian.

If you’re in a car accident caused by someone without insurance, and you don't have collision coverage as part of your auto policy, UMPD applies to your costs for fixing the car’s damage. If you don’t have uninsured motorist protection or collision coverage, you may have to pursue payment for your damages through the courts but chances are that the uninsured driver does not have the means to pay for the accident.

How Does Uninsured Motorist Coverage Work?

If you are the victim of a car accident, the at-fault driver is responsible for paying for the losses you incur. This can include medical bills and property that was damaged during the accident. If the other driver doesn’t have car insurance, you’ll be left covering some or all of the costs on your own.

Uninsured motorist coverage is broken up into two parts:

• Uninsured motorist bodily injury liability (UMBI)

UMBI provides financial protection for physical injury if you’re in an accident caused by someone who doesn’t have auto insurance. This includes accidents caused by hit-and-run drivers.

• Uninsured motorist property damage coverage (UMPD)

UMPD provides financial protection for your vehicle if you’re in an accident caused by someone who doesn’t have auto insurance.

What Happens if You Don’t Have Uninsured Motorist Coverage?

If you don’t have uninsured motorist coverage, you will likely be paying out-of-pocket for any damages you may incur due to someone else’s actions on the road. Uninsured motorist coverage provides financial protection for your medical and vehicle repair costs when someone who doesn’t have insurance causes an accident. This coverage takes effect when another party causes damage to you or your vehicle and they don’t have insurance coverage to pay your bills. Without this coverage, you could have to pay:

• Medical expenses caused by injuries sustained from the accident
• Lost income due to an inability to work
• Funeral costs if there was a fatality
• Treating emotional and psychological issues that have resulted due to the accident

Uninsured vs. Underinsured Motorist Coverage

Uninsured motorist coverage and underinsured motorist coverage both provide financial protection in case there is a motor vehicle accident. In the case of uninsured motorist coverage, it will only come into play if someone else causes a car accident and they don’t have auto insurance to pay for the damages. In the case of underinsured motorist coverage, it will only apply if the person who caused the car accident has insurance but the coverage is insufficient to pay for all the damage they caused.

If you have uninsured and underinsured coverage and own more than one car, you can stack your coverage by multiplying your limit by the number of cars insured. This can be done for vehicles on the same policy or cars insured on different policies depending on your state’s laws. For instance, if your uninsured motorist limits are $25,000/$50,000, and you add a second vehicle, stacking would increase these limits to $50,000 per person and $100,000 per accident.

*Stacking is not allowed in every state.

What Does Uninsured Motorist Coverage Pay For?

Uninsured motorist insurance covers injuries to you and your passengers as well as damage to your vehicle if you're hit by a driver who doesn't have auto insurance coverage. Uninsured motorist insurance can cover the following:

• Medical expenses caused by injuries sustained from the accident
• Lost income due to an inability to work
• Funeral costs if there was a fatality
• Treating emotional and psychological issues that have resulted due to the accident

Some states may require a deductible for uninsured motorist property damage coverage (UMPD). Uninsured motorist bodily injury coverage (UMBI) generally doesn't include a deductible.

UMPD provides financial protection for your vehicle if you’re in an accident caused by someone who doesn’t have auto insurance.

Which States Require Uninsured Motorist Coverage?

There are many states that require uninsured motorist bodily injury coverage (UMBI). A smaller number of states require uninsured motorist property damage coverage (UMPD). Below is a table breaking down what the state requirements are regarding uninsured motorist coverage:

Location	Requires uninsured motorist bodily injury coverage (UMBI)?	Requires uninsured motorist property damage coverage (UMPD)?
Connecticut	✖️
Illinois	✖️
Kansas	✖️
Maine	✖️
Maryland	✖️	✖️
Massachusetts	✖️
Minnesota	✖️
Missouri	✖️
Nebraska	✖️
New Jersey	✖️	✖️
New Hampshire*	✖️	✖️
New York	✖️
North Carolina	✖️	✖️
North Dakota	✖️
Oregon	✖️
Rhode Island**	✖️	✖️
South Carolina	✖️	✖️
South Dakota	✖️
Vermont	✖️	✖️
Virginia***	✖️	✖️
West Virginia	✖️	✖️
Wisconsin	✖️

The District of Columbia requires both forms of uninsured motorist coverage as well.

*New Hampshire residents are not required to have auto insurance. However, for those who do purchase auto insurance, UMBI is required.

**Rhode Island residents are not required to carry uninsured motorist coverage if they have the minimum state liability coverage. However, those who buy higher liability limits are required to purchase UMBI as well.

***Virginia residents are not required to have auto insurance if they can prove they can cover the losses from an accident. However, residents who purchase auto insurance are required to have uninsured motorist as well as underinsured motorist coverage.

5 States With the Most Uninsured Drivers

1. 29.4% of Mississippi drivers are uninsured.
2. 25.5% of Michigan drivers are uninsured.
3. 23.7% of Tennessee drivers are uninsured.
4. 21.8% of drivers in New Mexico are uninsured. 
5. 21.7% of drivers in Washington are uninsured.

*Data collected from the estimated percentage of uninsured drivers in 2019 by the Insurance Research Council.

How To Make an Uninsured Motorist Claim

File a claim with your provider if you were in an accident caused by someone who doesn't have insurance.

Call the Police

You should call 911 if there was a car accident. This is especially important if someone is injured.

Collect Information

You will always want to obtain contact information for the at-fault driver as well as any passengers involved in the car accident. Make sure you get:

• Name, home address and contact information (phone or email)
• Their vehicle's make, model, license plate number and state
• Names of any passengers

Also, check to see if there are any witnesses who saw the accident. If there are, try and get their contact information as well. You should also give the at-fault driver your contact information.

Take Pictures of the Damage

Take pictures of any damage that incurred. This includes damage to your vehicle and yourself. Also, be sure to take images of the other person’s vehicle. It may also be helpful to take pictures of the surrounding area to show context for the accident or any other damage that may have been caused.

File a Police Report

Make sure you give a statement to the police. Once you get a copy of the police report, submit it along with your claim to your insurance carrier.

Call Your Car Insurance Agent

Call your insurance company and let them know what has happened. Do this as soon as possible. The timeframe to file a claim varies from one provider to another but can be as short as 24 hours.

Is Uninsured Motorist Coverage Needed For Property Damage?

Uninsured motorist property damage coverage (UMPD) is required in six states and the District of Columbia. The six states that require UMPD are listed in the table below.

States Requiring UMPD

Maryland	New Jersey	North Carolina
South Carolina	Vermont	West Virginia

UMPD is optional in 18 other states as well. States with optional coverage are listed in the table below.

If you don’t have uninsured motorist coverage, you will likely be paying out-of-pocket for any damages and injuries.

States Offering Optional UMPD

Alaska	Arkansas	California
Delaware	Georgia	Indiana
Illinois	Louisiana	Mississippi
New Jersey	New Mexico	Ohio
Rhode Island	Tennessee	Texas
Utah	Washington	Wyoming

Key Takeaways Uninsured motorist coverage provides financial protection from bodily injury or property damage caused by a vehicle-related accident wherein the at-fault driver does not have auto insurance. Underinsured motorist coverage differs from uninsured motorist coverage in that underinsured motorist coverage helps provide protection should you be in an accident caused by someone who has inadequate insurance to cover the damages they caused. There are 19 states, including the District of Columbia, that require uninsured motorist bodily injury coverage (UMBI). They are Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Jersey, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, West Virginia and Wisconsin. There are six states, including the District of Columbia that require uninsured property protection coverage (UMPD). They are Maryland, New Jersey, North Carolina, South Carolina, Vermont and West Virginia. You can file an uninsured motorist claim by contacting your insurance company and providing photographs of the damage, information about anyone involved in the accident, witness statements and a police report of the accident.

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