Does uninsured motorist coverage normally have a deductible?

If I had to submit a claim after being hit by an uninsured driver, would I have to pay a deductible?

Answer provided by
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Emily Maracle
Answered on Jul 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“You typically will not have a deductible attached to your uninsured motorist coverage.
Most insurance companies will cover the costs of any injuries caused by an uninsured motorist within your policy limit. If your costs exceed your policy limit, you may need to pay them out of pocket.
Depending on where you live, you may have a deductible for your uninsured motorist property damage. If you submit a claim for damage done to your vehicle by an uninsured driver, you would be subjected to that deductible.
Typically these deductibles are significantly lower than traditional full coverage deductibles. Most policies have a $250 to $500 deductible depending on the coverage selected.
The only other reason you may have to pay a deductible is if you don’t have uninsured motorist coverage and are required to file a claim through your collision insurance.”
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