Question 1

What is the difference between uninsured and underinsured motorist coverage?

Accepted Answer

Uninsured motorist coverage may apply when an at-fault driver has no insurance. Underinsured motorist coverage may apply when the driver has insurance, but their limits are not high enough to cover your eligible losses.

Question 2

Is uninsured motorist coverage required?

Accepted Answer

It depends on where you live. Some states require the coverage, while others allow you to decline it. A AAA insurance agent can explain the requirements and options available in your state.

Question 3

Does uninsured motorist coverage pay for damage to my car?

Accepted Answer

It can, but this varies by state. A AAA insurance agent can explain the requirements and options available in your state.

Question 4

Does uninsured motorist coverage help in the event of a hit-and-run accident?

Accepted Answer

Uninsured motorist coverage may cover injuries caused by a hit-and-run driver. Coverage for vehicle damage varies by state and policy. It is important that you promptly report the car crash to the police and your insurer.

Question 5

Does uninsured motorist coverage protect my passengers?

Accepted Answer

Uninsured motorist coverage can cover eligible injuries that you and your passengers sustain, but this varies by state. Speak to a AAA insurance agent about your state laws and options for coverage.

Question 6

Can this coverage apply if I am walking or riding a bicycle?

Accepted Answer

Depending on your policy and state, uninsured or underinsured motorist coverage may apply if you are struck by a vehicle while walking or cycling. Ask your agent how your coverage applies outside your insured vehicle.

Question 7

What happens if the at-fault driver does not have enough insurance?

Accepted Answer

The driver’s liability insurance may pay up to its policy limits. Your underinsured motorist coverage may then help pay remaining eligible expenses, up to your coverage limits.

Question 8

Is uninsured motorist coverage the same as collision coverage?

Accepted Answer

No, uninsured motorist coverage is designed to protect you from losses caused by a driver with little or no insurance. Collision coverage helps pay to repair or replace your vehicle after a covered collision.

Question 9

Does uninsured motorist coverage have a deductible?

Accepted Answer

Bodily injury coverage typically does not have a deductible, but uninsured motorist property damage may. Deductibles vary by state and policy.

Question 10

How much coverage should I choose?

Accepted Answer

Your needs depend on factors such as your income, health insurance, savings and the number of people your policy protects. An insurance agent can help you compare available limits.

Question 11

When does underinsured motorist coverage apply?

Accepted Answer

Depending on the jurisdiction, UIM coverage may be written with a limits trigger or a damages trigger. With a limits trigger, UIM coverage applies when the limits of liability carried by the other motorist are lower than the UIM limits carried by the insured. With a damages trigger, UIM coverage applies when the insured driver’s damages are more than the at-fault party's available limits.

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Uninsured and Underinsured Motorist Coverage

What is uninsured and underinsured motorist coverage?

What does uninsured and underinsured motorist coverage pay for?

Frequently asked questions

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Frequently asked questions