What Is Uninsured Motorist Coverage?
Uninsured/underinsured motorist (UM/UIM) coverage pays for your injuries and, in some states, vehicle damage when an at-fault driver has no insurance or not enough to cover your losses — including hit-and-run crashes.
Often Required
By the Home & Dime Editorial Team · Updated 2026
What it covers
- Your medical bills and lost wages.
- Vehicle damage in states with UM property damage.
- Hit-and-run injuries.
Why it matters
Millions of drivers are uninsured — UM coverage fills the gap so you’re not stuck paying.
Common exclusions
- Damage caused by insured at-fault drivers (their liability pays)
- Intentional acts
State considerations
Some states require UM coverage; others make it optional. Whether it covers property damage varies by state.
Claim tips
- Confirm whether your state requires UM/UIM.
- Match UM limits to your liability limits.
- File a police report for hit-and-run claims.
Frequently asked questions
Is UM coverage required?
In some states yes; in others it’s optional but recommended.
Does it cover hit-and-run?
Yes — that’s a key use.
Related guides
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Auto Insurance guide
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