What is uninsured/underinsured motorist coverage and do I need it?
Written by Marc Berry
Founder and Insurance Distribution Executive
Reviewed for accuracy by Cameron Berry
Licensed Property & Casualty Agent · NPN 20621185
Last reviewed
Sage isn't paid by anyone today. When that changes, this note and How we make money will say so. Sage doesn't sell policies.
Short answer: Uninsured/underinsured motorist (UM/UIM) coverage pays for your injuries — and sometimes your vehicle damage — when the at-fault driver has no insurance or not enough to cover what they caused.
A meaningful share of drivers are uninsured or carry only state-minimum limits, so a serious injury can quickly exceed what they can pay. UM/UIM fills that gap, protecting you and your passengers. Some states require it; many drivers add it even where it's optional, because it's relatively inexpensive for the protection it provides.
Reviewed for accuracy by Cameron Berry
Licensed Property & Casualty Agent · NPN 20621185
Last reviewed