Uninsured Motorist
52 guides on uninsured motorist for car accident victims.
Uninsured and underinsured motorist coverage
Uninsured and underinsured motorist (UM/UIM) coverage pays when the at-fault driver has no insurance or not enough, but how much it pays, whether it's required, and how claims get handled varies by state.
9 min readWyomingUninsured motorist coverage rules in Wyoming
Wyoming puts uninsured motorist coverage in every auto policy unless you reject it, but state law does not make it cover underinsured drivers. Here are Wyoming's exact rules, limits, and deadlines.
6 min readDistrict Of ColumbiaUninsured motorist coverage rules in the District of Columbia
When an uninsured, underinsured, or hit-and-run driver hits you in DC, your own UM/UIM coverage pays. Here are the District's exact limits, the $200 deductible, the 60-day settlement rule, and the 2026 reform that hasn't taken effect yet.
6 min readWest VirginiaUninsured Motorist Coverage Rules in West Virginia
West Virginia builds uninsured and underinsured motorist coverage into every auto policy. Here's how it works, how people lose it, and the deadlines that decide a claim.
6 min readWisconsinUninsured Motorist Coverage Rules in Wisconsin
Wisconsin makes uninsured motorist coverage mandatory at $25,000/$50,000 and bars you from rejecting it, but the reducing clause and optional UIM decide what you actually collect after a crash.
5 min readTexasUninsured motorist coverage rules in Texas
In Texas, uninsured/underinsured motorist coverage sits on every auto policy unless you rejected it in writing. Here is how the limits, the $250 property-damage deductible, the physical-contact rule for hit-and-runs, and the Brainard judgment requirement actually work.
6 min readUtahUninsured motorist coverage rules in Utah
If an uninsured or underinsured driver hit you in Utah, your own UM/UIM coverage usually pays. Here are the state's exact rules, limits, and deadlines.
6 min readSouth DakotaUninsured motorist coverage rules in South Dakota
If the driver who hit you in South Dakota had no insurance, too little, or fled, the coverage that pays is usually your own. Here are the state's exact UM and UIM rules, from the no-waiver mandate to the stacking bans and the UIM offset.
6 min readVermontUninsured Motorist Coverage Rules in Vermont
In Vermont, uninsured and underinsured motorist coverage is built into every auto policy and can't be waived below $50,000/$100,000. Here's exactly what the law requires, from the gap rule to the deadlines.
6 min readPennsylvaniaUninsured Motorist Coverage Rules in Pennsylvania
In Pennsylvania, uninsured and underinsured motorist coverage is optional to buy but must be offered, and strict rules decide whether you have it, how much, and how long you have to claim it.
6 min readOregonUninsured motorist coverage rules in Oregon
In Oregon, UM/UIM coverage is mandatory and defaults to your own liability limits. A 2015 law (SB 411) ended the old offset so your coverage now stacks on top of the at-fault driver's limits, and a separate two-year deadline governs the claim.
6 min readVirginiaUninsured Motorist Coverage Rules in Virginia
In Virginia, uninsured and underinsured motorist coverage is mandatory, can't be fully waived, and since July 2023 stacks on top of the at-fault driver's insurance. Here are the exact rules, limits, and deadlines.
6 min readTennesseeUninsured Motorist Coverage Rules in Tennessee
In Tennessee, your own uninsured/underinsured motorist coverage is what pays when the at-fault driver has no insurance or too little. The state's rules on written waivers, the gap rule, and the one-year deadline decide whether you actually collect.
6 min readOklahomaUninsured Motorist Coverage Rules in Oklahoma
What uninsured and underinsured motorist coverage actually requires in Oklahoma, from the written-rejection rule and the 2014 stacking change to the 60-day settlement notice and the two deadlines that govern your claim.
6 min readWashingtonUninsured motorist coverage rules in Washington
If the driver who hit you had no insurance, carried too little, or drove off, your own Washington UM/UIM coverage can pay. Here are the state-specific rules, numbers, and deadlines.
6 min readOhioUninsured Motorist Coverage Rules in Ohio
Ohio does not require uninsured or underinsured motorist coverage, and since 2001 insurers have not even had to offer it. Here is what that means for your claim, plus the setoff, deadlines, and exceptions unique to Ohio.
6 min readNorth CarolinaUninsured Motorist Coverage Rules in North Carolina
North Carolina builds uninsured and underinsured motorist coverage into every auto policy. Here is what it pays, what the 2025 law changed, and the notice steps you have to follow to collect.
6 min readRhode IslandUninsured Motorist Coverage Rules in Rhode Island
Rhode Island requires insurers to offer uninsured and underinsured motorist coverage equal to your liability limits. Here are the exact statutes, dollar figures, waiver rules, and recent court decisions that control UM/UIM claims in the state.
6 min readSouth CarolinaUninsured motorist coverage rules in South Carolina
In South Carolina, uninsured motorist coverage is mandatory and underinsured coverage must be offered. Here are the exact limits, conditions, and deadlines that decide whether you collect.
6 min readNew YorkUninsured Motorist Coverage Rules in New York
In New York, uninsured motorist coverage is mandatory at 25/50 and can't be waived, while underinsured (SUM) coverage is optional and offsets what you collect from the at-fault driver. Here are the exact statutes, limits, and deadlines that decide whether you get paid.
6 min readNorth DakotaUninsured motorist coverage rules in North Dakota
If an uninsured, underinsured, or hit-and-run driver hurt you in North Dakota, your own UM/UIM coverage pays. Here are the state's exact rules, limits, and deadlines.
6 min readNew MexicoUninsured motorist coverage rules in New Mexico
New Mexico has one of the highest uninsured-driver rates in the country, so UM/UIM coverage matters here. These are the state-specific rules: the offset that can make minimum-limits coverage worthless, stacking, valid rejections, and the deadlines to file.
6 min readMississippiUninsured motorist coverage rules in Mississippi
Mississippi has the highest uninsured-driver rate in the country, which makes UM/UIM coverage essential here. These are the state's actual rules, from the written-rejection requirement to stacking and the three-year deadline.
6 min readNew JerseyUninsured Motorist Coverage Rules in New Jersey
If the driver who hit you was uninsured or underinsured, New Jersey shifts protection onto your own policy. Here are the state's exact UM/UIM rules: the 2026 minimum limits, the deadlines, the steps before you settle, and your remedies if the insurer stalls.
6 min readNebraskaUninsured motorist coverage rules in Nebraska
Nebraska makes uninsured and underinsured motorist coverage mandatory on every auto policy and won't let you reject it. Here are the state's limits, triggers, stacking ban, notice rules, and the deadlines that decide whether a claim survives.
6 min readNevadaUninsured motorist coverage rules in Nevada
What Nevada law actually says about uninsured and underinsured motorist coverage, from your insurer's offer requirement to the physical-contact rule and how long you really have to file a claim.
6 min readMichiganUninsured Motorist Coverage Rules in Michigan
Michigan doesn't require uninsured or underinsured motorist coverage, and because it's purely a matter of contract, your policy's fine print sets the deadlines, limits, and conditions. Here's what the statutes and Michigan Supreme Court cases actually say.
6 min readNew HampshireUninsured Motorist Coverage Rules in New Hampshire
New Hampshire is the only state that doesn't make drivers buy insurance, which is exactly why your own uninsured motorist coverage matters here. A statute-by-statute look at the NH rules, limits, and deadlines.
6 min readMontanaUninsured Motorist Coverage Rules in Montana
Montana requires your insurer to offer uninsured motorist coverage, but underinsured coverage is optional. Here's how the limits, stacking rules, subrogation, and deadlines work, with the statutes behind them.
6 min readLouisianaUninsured Motorist Coverage Rules in Louisiana
Louisiana doesn't force you to carry uninsured motorist coverage, but it forces your insurer to offer it, and a single blank on the waiver form can hand it back to you. Here's how UM/UIM actually works after a Louisiana crash.
6 min readMassachusettsUninsured motorist coverage rules in Massachusetts
Uninsured motorist coverage is mandatory in Massachusetts and rose to a 25/50 minimum on July 1, 2025. Here are the state's UM and UIM rules, from required limits to arbitration, offsets, consent-to-settle, and the three-year deadline.
6 min readMissouriUninsured Motorist Coverage Rules in Missouri
Missouri requires uninsured motorist coverage on every auto policy and won't let you waive it. Here's what it pays for, how stacking works, and the deadlines on a UM claim against your own insurer.
6 min readIowaUninsured motorist coverage rules in Iowa
When the driver who hit you has no insurance, too little, or fled, your own uninsured/underinsured motorist coverage becomes the case. Here is how that coverage actually works in Iowa, including the fine print that quietly ends claims.
6 min readKentuckyUninsured motorist coverage rules in Kentucky
Kentucky builds uninsured motorist coverage into your policy by default but leaves underinsured coverage optional, and one notice step decides whether the claim survives.
6 min readMinnesotaUninsured Motorist Coverage Rules in Minnesota
Minnesota is one of the few states that makes uninsured motorist coverage mandatory on every auto policy. Here is what the No-Fault Act's rules mean for your claim: the required limits, the hit-and-run and no-stacking rules, and the six-year deadline that starts on the crash date.
6 min readMarylandUninsured Motorist Coverage Rules in Maryland
Maryland puts uninsured and underinsured motorist coverage on every auto policy, but the gap rule, the July 2024 EUIM change, and a 60-day consent step decide whether you actually collect.
6 min readConnecticutUninsured Motorist Coverage Rules in Connecticut
Connecticut requires uninsured and underinsured motorist coverage on every auto policy, set to your own liability limits unless you sign a state-approved form. Here is how the coverage, the conversion option, and the deadlines actually work.
6 min readIndianaUninsured Motorist Coverage Rules in Indiana
In Indiana, uninsured and underinsured motorist coverage is built into your policy unless you rejected it in writing. Here are the exact rules, dollar limits, and deadlines that decide what your own insurer owes you.
6 min readKansasUninsured motorist coverage rules in Kansas
Kansas requires uninsured and underinsured motorist coverage on every auto policy. Here are the state's actual rules: the 25/50 floor, how the UIM gap pays, the no-stacking cap, and the certified-mail notice that can make or break your claim.
6 min readMaineUninsured Motorist Coverage Rules in Maine
Maine builds uninsured and underinsured motorist coverage into every auto policy by default. Here are the exact limits, the offset math, the deadlines, and the rejection rules that decide what you can collect.
6 min readIllinoisUninsured motorist coverage rules in Illinois
In Illinois, uninsured and underinsured motorist coverage is mandatory on every auto policy. Here are the exact limits, the setoff that shrinks payouts, and the deadlines that apply.
6 min readFloridaUninsured motorist coverage rules in Florida
Florida makes uninsured motorist coverage optional, so many drivers who buy only the state minimum have no protection when an uninsured or hit-and-run driver hurts them. Here's what the coverage does, how stacking works, and the deadlines and settlement rules that decide whether a claim survives.
6 min readGeorgiaUninsured Motorist Coverage Rules in Georgia
In Georgia, uninsured motorist coverage is added to your auto policy automatically unless you reject it in writing. Here are the state's exact rules on add-on versus reduced limits, hit-and-run claims, and deadlines.
6 min readDelawareUninsured Motorist Coverage Rules in Delaware
Uninsured and underinsured motorist coverage is built into every Delaware auto policy unless you reject it in writing. Here are the exact limits, the underinsured trigger, stacking rules, and deadlines that govern a Delaware UM/UIM claim.
6 min readIdahoUninsured Motorist Coverage Rules in Idaho
How Idaho requires uninsured and underinsured motorist coverage, the minimum limits, the Pena v. Viking rule that killed offset at minimum limits, and the deadline that actually applies to a UM claim.
6 min readArkansasUninsured motorist coverage rules in Arkansas
If an uninsured or underinsured driver hits you in Arkansas, your own policy pays. Here are the state's actual rules on what your insurer must offer, how the underinsured trigger works, and the deadline to file.
6 min readHawaiiUninsured Motorist Coverage Rules in Hawaii
Hawaii makes uninsured and underinsured motorist coverage optional, so a written rejection can leave you exposed. This guide covers the state's rules on offers, stacking, coverage limits, the no-fault threshold, and the deadlines that apply to a UM/UIM claim.
6 min readCaliforniaUninsured Motorist Coverage Rules in California
In California, your own uninsured/underinsured motorist coverage usually pays when the at-fault driver had no insurance or too little. These are the state's specific rules, deadlines, and the coverage gap most drivers don't expect.
5 min readColoradoUninsured motorist coverage rules in Colorado
Colorado makes every insurer offer uninsured and underinsured motorist coverage on your auto policy. Here are the state's exact rules, limits, and deadlines.
6 min readAlabamaUninsured motorist coverage rules in Alabama
In Alabama, uninsured and underinsured motorist coverage is built into every auto policy unless you rejected it in writing. Here is how the state's setoff, stacking, notice, and deadline rules decide what you can actually collect.
6 min readAlaskaUninsured motorist coverage rules in Alaska
In Alaska, uninsured/underinsured motorist coverage is optional, and a written rejection can stay on your policy for years. Here are the exact rules on what it pays and what can block a claim.
6 min readArizonaUninsured Motorist Coverage Rules in Arizona
Arizona doesn't require you to buy uninsured or underinsured motorist coverage, but the rules on offers, deadlines, stacking, and payouts are specific. Here's what governs a UM or UIM claim in the state.
5 min read