Uninsured Motorist Coverage — Virginia
Uninsured Motorist Coverage pays for your injuries when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage protects you when the at-fault driver has no insurance or insufficient coverage to pay for your injuries. It also covers hit-and-run accidents where the driver cannot be identified. This coverage pays your medical bills, lost wages, and pain and suffering up to your policy limits when the other driver's liability coverage is absent or inadequate.
Who Needs Uninsured Motorist Coverage Insurance?
You should carry Uninsured Motorist Coverage if you cannot afford to pay for major medical bills out of pocket after an accident caused by someone with no insurance. Drivers who commute on I-95, I-64, or I-81 face higher hit-and-run risk due to high traffic volumes and limited enforcement. Drivers reinstating a suspended license often face higher premiums for liability coverage, making the low cost of UM coverage a cost-effective way to protect against financial loss from uninsured drivers.
Compare the monthly cost of UM coverage to your out-of-pocket medical coverage limits. If you carry excellent health and disability coverage through an employer, UM coverage duplicates protection you already have.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Whether you add Underinsured Motorist Coverage alongside uninsured coverage—bundling both raises the cost.
- Your county's uninsured driver rate—areas with higher uninsured rates see slightly higher premiums.
