Uninsured and Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage pays for your injuries and vehicle damage when the at-fault driver has no insurance or insufficient coverage to pay your claim.
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What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage pays when the driver who caused your accident has no insurance. Underinsured motorist coverage pays when their liability limits are too low to cover your medical bills and vehicle damage. Both coverages step in after the at-fault driver's policy is exhausted or confirmed absent, paying up to your selected limits for injuries, lost wages, and property damage your own collision coverage doesn't address.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
You should carry this coverage if you drive frequently in metro areas where uninsured driver rates are high, if your health insurance has high deductibles or excludes auto accident injuries, or if you cannot afford to pay out-of-pocket for medical bills and lost wages after an accident caused by someone without insurance.
Compare your health insurance deductible and out-of-pocket maximum to the cost of this coverage. If your health insurance and savings can absorb accident costs and you carry collision coverage, you can consider rejecting it — but you must do so in writing, and you lose protection against hit-and-run and underinsured driver scenarios.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Your county's uninsured driver rate — metro Atlanta counties with higher uninsured motorist claim frequency see slightly higher premiums for this coverage.
- Your own driving record and claims history — carriers price this coverage based on your likelihood of filing any claim, not just uninsured motorist claims.
- Whether you stack coverage across multiple vehicles — stacking, where allowed, increases your available limits but raises the premium proportionally.
