What is What Is Uninsured Motorist Coverage?
Uninsured motorist coverage pays your medical bills, lost wages and pain-and-suffering when an at-fault driver has no insurance. Roughly 14% of U.S. drivers are uninsured, and this coverage — often bundled with underinsured motorist — is required or offered in nearly every state.
Practical Example
When a U.S. consumer researches uninsured motorist coverage, understanding the mechanics up front helps them compare providers, avoid hidden fees and choose the option that best fits their budget and long-term goals.
Why It Matters
Getting uninsured motorist coverage right can save households hundreds to thousands of dollars each year and prevents disputes that end up in state regulator complaints or court.
Frequently Asked Questions
Because it affects the price you pay, the protections you keep and the options you have — details that shift with each new regulatory cycle.