Auto Insurance - Uninsured Motorist Coverage

Provides coverage if you, covered family members or your covered passengers suffer bodily injury or are killed in an accident involving a legally liable uninsured or underinsured driver.

Definition of Uninsured Motorist Coverage

This coverage typically pays for medical expenses and damages to your car resulting from a covered loss with no insurance is at-fault.

Here are a few examples of the types of bills that uninsured motorist coverage could take care of:

• Medical expenses
• Damage to your car

This Coverage Is Divided Into Two Parts

• Bodily Injury Coverage — may pay medical expenses for you, your passengers, or any family members who might be driving the car when bodily injuries are caused by an uninsured or underinsured driver.
• Property Damage Coverage — pays for damages to your car caused by an uninsured or underinsured driver (this coverage is not available in all states).

How Much Should Your Uninsured Motorist Limit Be?

Depending on your situation, you could need potentially as little as $20,000 or as much (or more) as nearly half a million dollars in coverage.  It really all depends on your assets, your family and how much risk you're willing to take.  As a general rule of thumb, some people make this limit the same as their Bodily Injury liability limit.

If you want additional information on this coverage or others, try Allstate's Bumper-to-Bumper Basics^SM interactive tool with a virtual guide of your choosing or contact an Allstate agent to better advise you.

How Much Does Uninsured/Underinsured Motorist Coverage Cost?

The good news is, it's relatively inexpensive compared to some of the other coverages on the policy.  Even though you're getting hundreds of thousands of dollars in coverage, you'll probably only be paying tens of dollars every six months for this powerful protection.