Uninsured Motorist Coverage — Utah
Uninsured and underinsured motorist coverage pays your medical bills and vehicle damage when you're hit by a driver who has no insurance or too little to cover your losses.
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What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage (UM) pays for your injuries and property damage when an at-fault driver has no insurance. Underinsured motorist coverage (UIM) kicks in when the at-fault driver's liability limits are too low to cover your full claim. Both coverages are filed through your own carrier, not the other driver's, which means you avoid the collection problem that comes with suing an uninsured defendant. Your carrier pays your claim up to your UM/UIM policy limits, then pursues recovery from the at-fault driver if possible.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
Carry UM/UIM if you don't have health insurance robust enough to cover a serious crash, if you drive in areas with high uninsured driver rates, or if you carry liability-only coverage and want protection for your own vehicle damage without paying for full collision coverage. It's also essential if your assets or income would be at risk in a serious crash—medical liens and out-of-pocket costs from an uninsured driver's negligence don't disappear just because the other party can't pay.
Compare the annual cost of UM/UIM to your health insurance deductible and out-of-pocket maximum. If you carry liability-only and can't afford collision coverage, adding uninsured motorist property damage gives you vehicle protection for a fraction of collision premiums.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Whether you add uninsured motorist property damage (UMPD), which covers vehicle damage without requiring collision coverage.
- Your county's uninsured driver rate—areas with higher percentages of uninsured motorists see slightly higher premiums.
- Stacking provisions if you insure multiple vehicles—stacked UM/UIM allows you to combine limits across policies, increasing both protection and cost.
- Your claims history with UM/UIM—prior claims under this coverage can raise future premiums, though less dramatically than at-fault liability claims.
