what does uninsured motorist insurance cover

What Is Uninsured Motorist Insurance Coverage?

An auto insurance uninsured motorist coverage is a policy that grants financial protection to owner driver of an insured car when it meets with an accident with another car driver who is uninsured. Such a cover will pay costs for medical bills and car repairs incurred by the uninsured motorist who may be at-fault during the mishap involving your car.

ICarInsuranceUSA can assist you in finding the best auto insurance for uninsured motorist quote online through a simple, easy and hassle-free process.

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Tips for Getting Discount on Car Insurance for Uninsured Motorist

If your driving record is clean and free of any traffic tickets or convictions then you can get premium discount.

Get additional premium discount for maintaining continuity of vehicle coverage.

Get discount on how long you’ve covered without any account lapse and carry insurance card.

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How Does Uninsured Motorist Insurance Work?

By law, drivers must carry valid liability car insurance coverage but many drivers do not comply with the legal condition.If you happen to get involved in an accident with one such uninsured driver then you may have to bear costs for the damages incurred by the driver since he or she may not have money for getting bodily injuries treated or car repaired.

To protect your finances in such type of a unique situation, it could be much better if you add an uninsured motorist coverage feature to your auto or taxi insurance policy.

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Auto Insurance for Uninsured Motorist – Know Stepwise Claim Filing Process

There could be varied reasons due to which you may have to buy car insurance even you don’t have a driving license. Some of these are as under:

  • Your car gets hit by an at-fault uninsured or underinsured motorist
  • You are required filing a claim with the insurance company of the at-fault motorist.
  • If you think that the motorist is uninsured or underinsured, you also need to notify your insurer.
  • Your insurance company may ask you to file a claim immediately or it might wait until the other at -fault driver’s insurer settles your claim.
  • In case, the at-fault underinsured motorist’s insurer declines to pay damages, your insurer will start investigating the claim which you have filed with it.
  • On completion of investigation, if your claim is found valid then you will be entitled to receive compensation within coverage limits in your policy.

Explore Protection Covers by Uninsured/underinsured Motorist Insurance

Coverage will pay costs for medical bills on treatments incurred by you and fellow passengers in insured car at the time of accident involving an uninsured/underinsured motorist. Besides, you, the fellow passengers in car & even a pedestrian who gets injured due the accident will be reimbursed lost wages by insurer.

Coverage will pay costs for damages caused to your car after its meeting with an accident with the vehicle of an uninsured or underinsured driver. The coverage may also pay damages caused to personal property like home or property fencing. Determine if you can get UMPD auto insurance coverage in your state.

It may happen that an at-fault driver may carry basic liability coverage but the limits might be low. So, when your car gets damaged, the underinsured driver’s policy is unlikely to pay total damages to you. This shortfall can be effectively bridged with a UIM insurance coverage which can pay the differential amount.

Who Needs Insured Uninsured Motorist Coverage?

  • Drivers living in states where it is mandatory by law: Although carrying valid insurance coverage is a legal requirement for drivers across the U.S., the limits can vary. So, some states need drivers to carry car insurance uninsured motorist coverage.
  • Companies that lease or finance vehicles to people: Leasing or financing agencies like banks and dealerships want drivers to buy uninsured motorist insurance coverage.
  • Drivers who want protection from uninsured motorists: Even if buying uninsured motorist cover is not a legal requirement in your state, you can opt for buying this coverage feature for reducing probable financial risks.
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FAQS On Uninsured Motorist Policy

What If An Uninsured Or Underinsured Motorist Hits Your Car? Act Today To Get Your Car Insured And Protect Your Finances!


It is important to purchase uninsured or underinsured motorist coverage because if your car gets hit by another car that is driven by uninsured driver, such coverage type will protect you/other fellow passengers against expenses for medical treatments and even loss of income.


Premium rates offered for uninsured motorist insurance may vary from state to state depending on the number of drivers that drive cars without car insurance. Besides, the extent of coverage being sought to be purchased might also affect insurance rates.


The amount of coverage which you need to buy could depend on few factors like your state’s legal requirements, how much extra coverage you will need to protect your finances comprehensively as well as the overall affordability of coverage levels.


It is desirable to talk to a competent local agent for knowing whether it is mandatory for you to buy uninsured motorist insurance as only some states prescribe such requirement. Only an expert could be the person to guide you.

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