Does it matter if I drop my uninsured motorist coverage?

I have good health insurance and a decent amount of savings. I don't feel like uninsured motorist coverage is really necessary anymore. Can I drop it from my plan?

Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If you believe that you no longer need
uninsured motorist coverage
, and if it isn’t a
minimum car insurance requirement
in your state, you can drop it.
However, it’s important to recognize that uninsured motorist coverage covers more than just medical bills. It can provide coverage for loss of work, lost wages, and pain and suffering. This coverage also extends to your passengers.
Having good health insurance is important, but every insurance policy puts a cap on benefits. A serious accident could max out your health plan. It could also drain your savings account.
If you can afford to keep the coverage on your policy, you should consider doing so. If it’s too expensive, try shopping around with other carriers prior to removing the coverage. You may be able to find a more affordable rate while maintaining coverage.
If you want to save money on car insurance, you can try signing up with
. “
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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