Elena T.
Life Insurance Customer
I appreciated how they explained term vs whole life in plain English. No pressure, just solid advice.
Customer review
Uninsured Motorist Coverage: Don't Pay for Someone Else's Mistake
About 1 in 8 drivers on the road has no insurance. Uninsured and underinsured motorist coverage protects your finances when you are hit by a driver who cannot cover your losses.
1 in 8 drivers is uninsured • Required in 22+ states • Stacking available
UM/UIM Coverage
1 in 8 Drivers Uninsured
Bodily injury & property damageProtected
Claims Support You Can Trust
When you need to file a UM claim, our licensed advisors guide you through the process from start to settlement.Part of ourauto insurance coverage options
What Does Uninsured Motorist Coverage Include?
A complete auto policy combines several coverage types. Mix and match based on your state requirements, budget, and how you use your vehicle.
Uninsured Motorist Bodily Injury (UMBI)
Covers your medical expenses, lost wages, and pain and suffering when an uninsured driver injures you or your passengers.
Uninsured Motorist Property Damage (UMPD)
Pays to repair or replace your vehicle when an uninsured driver damages it. Available in most states.
Underinsured Motorist (UIM)
Kicks in when the at-fault driver's liability limits aren't sufficient to cover your full damages. UIM pays the difference up to your coverage limit.
Stacked Coverage
In states that allow stacking, you can multiply your UM/UIM limits across multiple vehicles on your policy for greater per-accident protection.
Hit-and-Run Protection
Many states allow UM bodily injury to cover hit-and-run accidents where the responsible driver cannot be identified.
Medical and Legal Cost Coverage
UM/UIM can cover hospital bills, rehabilitation, legal fees, and long-term care expenses that exceed what the at-fault driver can pay.
Why VKOVR for UM/UIM Coverage?
Gap in Every State
1 in 8 drivers is uninsured — and many more carry only state minimums that won't cover serious accident costs. UM/UIM closes that gap.
State-Specific UM Requirements
About 22 states require uninsured motorist coverage. VKOVR knows your state's rules and ensures you carry the correct limits and coverage types.
Stacking Analysis
Where permitted, stacked UM/UIM can multiply your protection at a modest additional cost. VKOVR evaluates whether stacking makes sense for your household.
Coordinated with Your Other Coverage
UM/UIM works alongside your health insurance, MedPay, and PIP. VKOVR ensures the coverages complement each other without unnecessary overlap.
Adding UM/UIM Coverage Is Simple
Step 1
Tell Us Your State and Coverage
Share your state requirements, current liability limits, and any household vehicles to evaluate the right UM/UIM structure.
Step 2
Compare UM/UIM Options
We compare coverage types, limits, and stacking options across carriers to find the most protective and cost-effective combination.
Step 3
Consult a Licensed Advisor
A VKOVR advisor explains how UM/UIM works in your state, evaluates stacking, and recommends the right coverage levels.
Step 4
Get Covered
Add UM/UIM to your auto policy and drive knowing you are protected even when others are not.
Related Auto Insurance Coverage
UM/UIM coverage works alongside your other auto insurance to ensure complete protection.
Uninsured Motorist Coverage by State
Uninsured motorist coverage requirements vary significantly by state. Select your state for local minimums.
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
Uninsured Motorist Coverage FAQ
Uninsured motorist (UM) coverage pays for your medical expenses and property damage when you are hit by a driver who has no insurance. Without UM coverage, you would need to sue the uninsured driver personally — often a fruitless effort since most uninsured drivers cannot pay substantial judgments.
Rated on Trustpilot · 4.8/5What Our Customers Say
Real feedback from customers nationwide
David R.
Business Owner
Our small business got liability coverage without the usual runaround. Clear options and fast follow-up.
Customer review
Maria K.
Multi-line Customer
Great experience from start to finish. I bundled my home and auto and saved significantly.
Customer review
James L.
Home Insurance Customer
Finally, an insurance platform that speaks my language. The team was responsive and helpful.
Customer review
Sarah M.
Auto Insurance Customer
VKOVR made finding the right auto coverage simple. I had a quote in under 10 minutes.
Customer review
Licensed advisors · Fast response · No obligation
Auto Insurance Guides & Insights
View all auto guidesAuto Insurance
Wyoming Auto Insurance Requirements: 25/50/20, Rural Road Risk, and UM Election
Wyoming requires 25/50/20 liability and offers optional UM/UIM. Here's what WY drivers need to know about minimums, rural-road crash risk, and winter weather exposure.
Read articleAuto Insurance
Wisconsin Auto Insurance Requirements: 25/50/10, UM/UIM, and Winter-Road Reality
Wisconsin requires 25/50/10 liability plus mandatory UM coverage. Here's what WI drivers need to know about minimums, winter crash exposure, and deer strikes.
Read articleAuto Insurance
Washington Auto Insurance Requirements: 25/50/10, UM/UIM, and Seattle Commute Risk
Washington requires 25/50/10 liability and offers strong UM/UIM protection. Here's what WA drivers need to know about minimums, uninsured motorist coverage, and I-5 crash risk.
Read articleProtect Yourself from Drivers Who Cannot
Uninsured motorist coverage is one of the most important and underutilized protections in auto insurance. Get covered today.
