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
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
Tell Us Your State and Coverage
Share your state requirements, current liability limits, and any household vehicles to evaluate the right UM/UIM structure.
Compare UM/UIM Options
We compare coverage types, limits, and stacking options across carriers to find the most protective and cost-effective combination.
Consult a Licensed Advisor
A VKOVR advisor explains how UM/UIM works in your state, evaluates stacking, and recommends the right coverage levels.
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.
Uninsured Motorist Coverage FAQ
Protect Yourself from Drivers Who Cannot
Uninsured motorist coverage is one of the most important and underutilized protections in auto insurance. Get covered today.
