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What is Uninsured and Underinsured Motorist Coverage?

Uninsured/Underinsured Motorist (UM) coverage offers protection against people who are not insured or have inadequate coverage amounts.
 

Story panel of the um coverage story 
The small screen version of the um story panel


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What’s the difference between uninsured and underinsured?

  • Uninsured Motorist coverage may protect you from having to pay out of pocket when an at-fault driver doesn't have insurance.
  • Underinsured Motorist coverage may help pay your expenses when an at-fault driver doesn't have enough coverage to cover damages. This is typically bundled with Uninsured Motorist coverage.


What's Covered?*

  • Payment for bodily injury damages caused by an uninsured/underinsured motorist for covered persons while operating or occupying a vehicle*
  • Payment for bodily injury damages caused by an uninsured/underinsured motorist for covered persons as pedestrians*
  • Property damage coverage when loss is caused by an uninsured/underinsured motorist (deductibles applicable) (For Georgia and Mississippi policyholders only)
Coverage Options


*Only applies if uninsured/underinsured motorist is at fault and your policy has uninsured/underinsured motorist coverage.

Some exclusions apply. All coverages are subject to deductibles and policy limits. This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions. Your Alfa® agent can explain the policy and benefits and answer any questions you may have before you buy.



How much Uninsured Motorist coverage will I need?
Talk with your agent about what is recommended for you, but UM coverage should be equal to your liability limits. UM coverage cannot be higher than your liability limits.


When would Uninsured Motorist coverage apply?
If you're involved in a covered accident with a driver who has no insurance, not enough insurance, or are in a hit-and-run situation, Uninsured Motorist coverage would help cover the damages for bodily injury if the covered person is legally entitled to collect such damages from the owner or driver of an uninsured car. 




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Percentage of uninsured drivers by state

If you hit someone while you're out of town, there's a chance they might be uninsured. The coverage doesn't just protect you when you’re close to home, but also when you're states away. 

The statistics showing the amount of uninsured drivers by state

According to the Insurance Research Council in 2019

The statistics showing the amount of uninsured drivers by state

According to the Insurance Research Council in 2019


FAQs

These two coverages have different purposes so it’s smart to have both. Collision insurance can be used regardless of who is at fault in an accident, whereas Uninsured Motorist coverage is only put to use if the at-fault driver is uninsured or underinsured in liability coverage.

 

Yes, if you have Uninsured Motorist coverage and hit by a driver who flees the scene, your car repairs, medical bills, and property damage may be covered by your UM coverage depending on the state you live in and the type of coverage you have on your vehicle.

Uninsured Motorist coverage is not a coverage that is automatically applied to your auto insurance policy. Call your agent today to get a quote on adding this important coverage to your policy and protect yourself if you were to ever be hit by an uninsured/​underinsured driver.

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