{"id":1600,"date":"2024-09-26T01:40:43","date_gmt":"2024-09-26T06:40:43","guid":{"rendered":"https:\/\/going-places.thegeneral.com\/uninsured-motorist-insurance\/"},"modified":"2025-08-27T10:03:17","modified_gmt":"2025-08-27T15:03:17","slug":"uninsured-motorist-insurance","status":"publish","type":"post","link":"https:\/\/www.thegeneral.com\/going-places\/blog\/car-insurance\/uninsured-motorist-insurance\/","title":{"rendered":"What Is Uninsured Motorist Insurance?"},"content":{"rendered":"\n<p>Unless you\u2019re a resident of New Hampshire or Virginia, every other state in the U.S. requires drivers to be insured before hitting the road. However, depending on your state, .\u00a0If you\u2019re in an accident with an at-fault and uninsured driver, you could find yourself facing substantial financial losses. Your insurance might refuse to pay for any of your medical bills or any damage to your vehicle, and the at-fault driver won\u2019t have the coverage to reimburse you either.\u00a0<a href=\"https:\/\/www.thegeneral.com\/car-insurance\/basics\/\"><span style=\"text-decoration: underline;\">Uninsured Motorist Insurance<\/span><\/a>\u00a0is the best way to prevent this scenario from happening and protect yourself against financial losses from another driver\u2019s lack of coverage.<\/p>\n\n\n\n<p>Learn what Uninsured Motorist Insurance covers and whether you\u2019re a good candidate for a policy with this guide.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-takeaways\"><strong>Key Takeaways<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Uninsured Motorist Insurance protects you financially if you&#8217;re in an accident caused by a driver without insurance.<\/li>\n\n\n\n<li>It covers medical bills, lost wages, and damage to your property that the uninsured motorist can&#8217;t pay for.<\/li>\n\n\n\n<li>While required in some states, it\u2019s a smart option for all drivers to avoid unexpected out-of-pocket expenses.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-an-uninsured-motorist\"><strong>What Is an Uninsured Motorist?<\/strong><\/h2>\n\n\n\n<p>An uninsured motorist is a driver who doesn&#8217;t have auto insurance coverage, even though it&#8217;s required by law in most places. If you&#8217;re involved in an accident with an uninsured motorist, it means they won&#8217;t have the ability to cover any damages or injuries that they cause. This can leave you financially vulnerable, which is why many people opt for Uninsured Motorist Coverage as part of their insurance plan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-uninsured-motorist-insurance-cover\"><strong>What Does Uninsured Motorist<\/strong> <strong>Insurance<\/strong> <strong>Cover<\/strong><strong>?<\/strong><\/h2>\n\n\n\n<p>Depending on your state, the definition of Uninsured Motorist Coverage and what\u2019s available to you will vary. In general, Uninsured Motorist Coverage can be broken down into two categories:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Uninsured Motorist Insurance\/Uninsured Motorist Bodily Injury Insurance. <\/strong>This insurance covers you and your passengers\u2019 medical bills if you\u2019re in an accident with an at-fault, uninsured motorist. It can also reimburse you and your passengers for any wages lost during the period you were hospitalized. Pedestrians can also use this policy if they\u2019re the victim of a hit-and-run or hit by an uninsured driver.<\/li>\n\n\n\n<li><strong>Uninsured Motorist Property Damage Insurance.<\/strong> The previous type of insurance will pay for any bodily injuries you received during your accident, but it won\u2019t cover damage to your vehicle or other property. UMPDI will cover the damage to your vehicle along with property damage, such as damage to your house or fence. Note that this coverage isn\u2019t available in every state.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-difference-between-uninsured-and-underinsured-coverage\"><strong>What Is the Difference Between Uninsured and Underinsured Coverage?<\/strong><\/h2>\n\n\n\n<p>In addition to Uninsured Motorist Protection, some insurers offer Underinsured Motorist Protection. Underinsured Motorist Insurance is very similar to Uninsured Motorist Insurance, with some small differences. While Uninsured Motorist Insurance protects you against uninsured drivers, Underinsured Motorist Insurance covers you if you\u2019re in an accident with an at-fault driver whose are too low to compensate you for damages.<\/p>\n\n\n\n<p>There are two different types of Underinsured Motorist Coverage:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Underinsured Motorist Bodily Injury Insurance:<\/strong>&nbsp;Covers medical bills, lost wages, etc., if you get into an accident with an underinsured motorist whose liability limits cannot cover all your expenses.<\/li>\n\n\n\n<li><strong>Underinsured Motorist Property Damage Insurance:<\/strong> If the at-fault motorist covers some of the damage to your vehicle, but not all of it, then UIMPD insurance will make up the difference.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-do-i-need-uninsured-motorist-coverage\"><strong>Why Do I Need Uninsured Motorist Coverage?<\/strong><\/h2>\n\n\n\n<p>Over 30 million Americans are uninsured drivers, and the average percentage of uninsured drivers nationwide is roughly 14%. In some states, like Oklahoma, Mississippi, and Florida, 23-26% of drivers are uninsured. The most common reason why drivers lack insurance is financial problems. A study by the American Association of Motor Vehicle Administrators found that 82% of uninsured motorists cannot afford a policy or their vehicle is inoperable. The highest percentage of uninsured drivers are clustered together in low-income areas where consumers need to prioritize things like buying food.<\/p>\n\n\n\n<p>If you\u2019re in an accident with an uninsured motorist and they\u2019re the at-fault party, your own insurance might not pay for you and your passengers\u2019 injuries or any damage to your vehicle. Without Uninsured Motorist Insurance, you would have to pay for those losses yourself or file a court case against the other driver. While uninsured motorist insurance is mandatory in 20 states, it\u2019s still a wise investment even where it\u2019s not required.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-do-i-need-uninsured-motorist-coverage-if-i-have-health-insurance\"><strong>Do I Need Uninsured Motorist Coverage If I Have Health Insurance?<\/strong><\/h2>\n\n\n\n<p>While health insurance may cover your medical expenses after an accident, Uninsured Motorist Coverage offers additional protection that goes beyond medical bills. It can help with other costs like lost wages, ongoing rehabilitation, or pain and suffering, which health insurance typically doesn\u2019t cover. Additionally, Uninsured Motorist Property Damage Insurance can cover repairs to your vehicle, something health insurance won&#8217;t address. Having both ensures you&#8217;re fully protected in case of an accident with an uninsured motorist.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-states-require-uninsured-motorist-insurance\"><strong>Which States Require Uninsured Motorist Insurance<\/strong><strong>?<\/strong><\/h2>\n\n\n\n<p>The following states require Uninsured Motorist Bodily Injury Insurance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Connecticut<\/li>\n\n\n\n<li>The District of Columbia<\/li>\n\n\n\n<li>Illinois<\/li>\n\n\n\n<li>Kansas<\/li>\n\n\n\n<li>Maine<\/li>\n\n\n\n<li>Maryland<\/li>\n\n\n\n<li>Massachusetts<\/li>\n\n\n\n<li>Minnesota<\/li>\n\n\n\n<li>Missouri<\/li>\n\n\n\n<li>Nebraska<\/li>\n\n\n\n<li>New Jersey<\/li>\n\n\n\n<li>New Hampshire*<\/li>\n\n\n\n<li>New York<\/li>\n\n\n\n<li>North Carolina<\/li>\n\n\n\n<li>North Dakota<\/li>\n\n\n\n<li>Oregon<\/li>\n\n\n\n<li>Rhode Island**<\/li>\n\n\n\n<li>South Carolina<\/li>\n\n\n\n<li>South Dakota<\/li>\n\n\n\n<li>Vermont<\/li>\n\n\n\n<li>Virginia***<\/li>\n\n\n\n<li>West Virginia<\/li>\n\n\n\n<li>Wisconsin<\/li>\n<\/ul>\n\n\n\n<p>The following states require Uninsured Motorist Property Damage Insurance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The District of Columbia<\/li>\n\n\n\n<li>Maryland<\/li>\n\n\n\n<li>New Jersey<\/li>\n\n\n\n<li>New Hampshire*<\/li>\n\n\n\n<li>North Carolina<\/li>\n\n\n\n<li>Rhode Island**<\/li>\n\n\n\n<li>South Carolina<\/li>\n\n\n\n<li>Vermont<\/li>\n\n\n\n<li>Virginia***<\/li>\n\n\n\n<li>West Virginia<\/li>\n<\/ul>\n\n\n\n<p>*Insurance is not required in New Hampshire, but Uninsured Motorist Insurance and Uninsured Motorist Property Damage Insurance are required if you decide you want to purchase a policy.<br>**Uninsured Motorist Insurance and Uninsured Motorist Property Damage Insurance are required in Rhode Island if you purchase more than the state\u2019s minimum requirement for bodily injury auto liability coverage.<br>***Insurance is not required in Virginia if you can prove that you have the means to pay for any losses incurred during a car accident. If you decide to purchase insurance, you will also need Uninsured Motorist Insurance and Uninsured Motorist Property Damage Insurance.<\/p>\n\n\n\n<p>Keep you, your family members, and your passengers safe with Uninsured Motorist Insurance from The General. The General has been specializing in affordable standard and non-standard insurance rates for 60 years, and you can secure a\u00a0<a href=\"https:\/\/www.thegeneral.com\/quote\/\"><span style=\"text-decoration: underline;\">free quote online<\/span><\/a>\u00a0in two minutes or less. Driving without insurance? Don\u2019t risk your safety or your financial health. The General has policies to fit every need and budget, including policies for drivers with and\u00a0<a href=\"https:\/\/www.thegeneral.com\/car-insurance\/basics\/high-risk\/\"><span style=\"text-decoration: underline;\">high-risk drivers<\/span><\/a>; we even offer customers a discount if their record improves over time. If you\u2019ve had difficulty purchasing affordable auto insurance in the past, then give The General a try today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn what uninsured motorist insurance is and who needs it. Depending on your state, you might need uninsured motorist insurance to protect your vehicle.<\/p>\n","protected":false},"author":7,"featured_media":1601,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-1600","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is Uninsured Motorist Insurance? | The General<\/title>\n<meta name=\"description\" content=\"Learn what uninsured motorist insurance is and who needs it. 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