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What is uninsured & underinsured motorist coverage?

If you’re in an accident and the driver who hits you doesn’t have enough liability coverage — or even worse, none at all — adding coverage for an uninsured and under-insured motorist to your State Farm® auto insurance policy may provide coverage for damages you are legally entitled to collect from that other driver.

What does uninsured/underinsured cover?

Both coverage types may help cover expenses when you’re in an accident, such as:

  • Lost wages
  • Medical expenses
  • Pain and suffering
  • Related damages to your car (if applicable in your state)

Coverage in action

Let’s say you’re in an accident with a driver who does not have insurance or enough to pay damages. The other driver is at fault and you (or someone in your vehicle) have suffered injuries that will take time to recover from, including extended time away from work. Uninsured and underinsured insurance may help cover those expenses.

Frequently asked questions about uninsured & underinsured







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Related insurance coverages

Simple Insights®

Looking for help protecting your vehicle? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.

Please remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverage options may vary by state. To learn more about auto insurance coverage in your state, contact your State Farm agent.

State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
Bloomington, IL

State Farm County Mutual Insurance Company of Texas
Richardson, TX