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Uninsured and Underinsured Motorist Coverage protects you when another driver causes an accident but doesn’t have enough—or any—insurance to pay for your injuries or damages. If you’re struck by someone who carries no liability insurance or has limits too low to cover your medical bills and vehicle repairs, this coverage steps in to fill the gap.
Uninsured Motorist (UM) coverage applies when the at-fault driver has no insurance at all, while Underinsured Motorist (UIM) coverage helps when the other driver’s policy limits are insufficient to cover your losses. Both types can pay for medical expenses, lost wages, pain and suffering, and long-term care—costs that might otherwise come out of your own pocket.
In areas where uninsured drivers are common, this protection is one of the most valuable parts of a personal auto policy. It ensures that you and your passengers receive the care and compensation you deserve, even when the other driver can’t provide it.
We make sure you’re covered against one of the most common risks on the road—accidents with drivers who lack proper insurance.
We align your UM/UIM limits with your Bodily Injury Liability limits for consistent protection that matches your personal risk tolerance.
Our team helps you navigate UM/UIM claims step-by-step, ensuring your expenses are documented and paid promptly.
We serve drivers across multiple states with the same personalized, responsive service—delivering tailored protection wherever your travels take you.
Uninsured Motorist Coverage (UM) pays for your medical expenses, lost wages, and property damage if you’re injured by a driver who has no insurance or in a hit-and-run accident.
Underinsured Motorist Coverage (UIM) applies when the at-fault driver has insurance, but their liability limits aren’t enough to cover all your damages. Your UIM coverage pays the remaining costs up to your limits.
Yes. In most states, UM/UIM coverage extends to passengers in your vehicle and may also apply if you are hit by a car while walking or biking.
Requirements vary by state. Some states make Uninsured Motorist Coverage mandatory, while others offer it as optional protection. It is highly recommended in all cases.
UM/UIM coverage can pay for medical bills, lost income, rehabilitation, pain and suffering, and property damage, depending on your policy and state regulations.
Yes. Uninsured Motorist Coverage typically covers injuries or damage caused by a hit-and-run driver, provided the incident is properly reported to authorities.
Without this protection, you could be left paying your own medical or repair costs if the at-fault driver has no insurance or inadequate coverage. UM/UIM ensures you’re protected no matter who’s at fault.
Canopy Connect is a secure, read-only platform that lets you share your existing insurance information directly with us. It uses bank-level encryption to keep your data safe and helps us provide faster, more accurate quotes. Simply sign into your existing insurance company portal, and our agent will be in touch with a quote for you shortly after.
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