How do I check car insurance policy details?

I was watching the news and saw that where I live, 15% of the drivers are uninsured. How do I check my car insurance policy to see if I’m protected against an uninsured driver?

Answer
Unfortunately, almost every state struggles with uninsured drivers, despite heavy penalties in play for driving without insurance. What you’re going to want to check your policy for is uninsured/underinsured motorist coverage (sometimes abbreviated UM/UIM).
First, find your insurance policy number on your insurance card (which might be a pdf or a physical card). Then, check your policy details by logging in online, opening your insurance provider’s app, or calling an agent.
If you don’t have uninsured/underinsured motorist coverage, it’s a great idea to add this to your policy. This coverage will kick in if you get in an accident with a driver who lacks coverage to pay for your damages (unless you’re at-fault).
If you’re interested in switching providers to make paying for car insurance easier, Jerry can help. After a quick 45-second sign-up, you’ll be able to compare your current policy with competitive quotes from up to 50 top providers.
Lauren Smith
Answered on Nov 10, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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