According to the Insurance Research Council, approximately 1 in 8 drivers on American roads carries no auto insurance at all. In some states, that number is even higher. If an uninsured driver hits you, their liability insurance won't pay for your injuries or vehicle damage — because they don't have any. That's where Uninsured Motorist (UM) coverage steps in.
What Is Uninsured Motorist Coverage?
Uninsured Motorist coverage pays for your medical bills, lost wages, and sometimes pain and suffering when you're hit by a driver who has no insurance. Underinsured Motorist (UIM) coverage kicks in when the at-fault driver has insurance, but their limits aren't high enough to cover your damages.
UM/UIM Requirements by State
| State | UM Required? | Estimated Uninsured Drivers |
|---|---|---|
| California | Offered but not required | 16.6% |
| Texas | Offered but not required | 20.0% |
| Arizona | Offered but not required | 11.8% |
| Nevada | Required | 10.4% |
| Ohio | Offered but not required | 12.4% |
How Much Does UM/UIM Coverage Cost?
Adding UM/UIM coverage to your existing auto policy is surprisingly affordable — typically $50–$150 per year for $100,000/$300,000 in coverage. Given the protection it provides, most insurance professionals consider it one of the best values in auto insurance.
Do You Need UM Coverage If You Have Health Insurance?
Health insurance covers medical bills, but it does not cover lost wages, pain and suffering, or vehicle damage. UM coverage fills these gaps. Additionally, health insurance often has high deductibles and co-pays that UM coverage can help offset.
Get UM Coverage Added to Your Policy
If you're not sure whether your current policy includes UM/UIM coverage, call Sewell Insurance Agency. We'll review your policy and make sure you have the protection you need.