Expert Advice for Uninsured Motorist Protection
All Articles on Uninsured Motorist Protection
Underinsured vs. Uninsured Motorist Coverage: What's the Difference?
The difference between uninsured and underinsured drivers is whether they carry liability insurance—that’s why buying UM/UIM coverage is important!
Andrea Barrett
Uninsured Motorist Coverage in Alaska: Do You Need It?
Uninsured motorist coverage is not legally required in Alaska—but driving without it is risky!
Sarah Williams
Uninsured Motorist Coverage in South Dakota: Do You Need It?
South Dakota requires drivers to carry uninsured motorist coverage before hitting the road.
Sarah Williams
Uninsured Motorist Coverage in Iowa: Do You Need It?
It’s not illegal to drive in Iowa without uninsured motorist coverage, but you may still want it for extra protection on the road.
Meaghan Branham
Uninsured Motorist Coverage in Maryland: Do You Need It?
Maryland law requires uninsured/underinsured motorist bodily injury liability insurance that covers at least $30,000 in damages per person injured.
Jacqulyn Graber
Uninsured Motorist Coverage in Montana: Do You Need It?
You aren’t legally required to carry uninsured motorist coverage in Montana, but it is the law for insurers to offer it to you.
Mary Cahill
Do You Need Uninsured Motorist Coverage in Nebraska?
All Nebraska drivers must have uninsured motorist coverage—but you may want to consider adding more protection, too.
Macy Fouse
Uninsured Motorist Coverage in New Hampshire: Do You Need It?
Uninsured motorist coverage is not legally required in New Hampshire—unless you’ve been charged with certain traffic offenses. Click here to learn more.
Mariza Morin
Uninsured Motorist Coverage in Rhode Island: Do You Need It?
Uninsured motorist coverage isn’t legally required in Rhode Island, but purchasing higher liability limits does make it mandatory.
Andrea Barrett
Uninsured Motorist Coverage in Maine: Do You Need It?
Uninsured motorist coverage is legally required in Maine—but you may choose to pad your policy with higher amounts to optimize your protection.
Maxine Boyko
Uninsured Motorist Coverage in the District of Columbia: Do You Need It?
To meet the minimum insurance requirements in the District of Columbia, all drivers must purchase uninsured/underinsured motorist coverage.
Alison Daurio
Uninsured Motorist Coverage in Idaho: Do You Need It?
Uninsured motorist coverage isn’t required in Idaho—but driving without it isn’t a smart move.
Jason Tushinski
Uninsured Motorist Coverage in Hawaii: Do You Need It?
Uninsured motorist coverage isn’t required in Hawaii—but driving without it isn’t a smart move.
Jason Tushinski
Uninsured Motorist Coverage in North Dakota: Do You Need It?
You’re required to carry uninsured/underinsured motorist coverage in North Dakota, but how much? Find out here.
Cassandra Hamilton
Uninsured Motorist Coverage in Louisiana: Do You Need It?
Louisiana doesn’t require drivers to carry uninsured motorist coverage, but it's a wise idea with nearly 14% of drivers uninsured.
Andrea Barrett
Uninsured Motorist Coverage in Nevada: Do You Need It?
Uninsured motorist coverage must be offered by Nevada insurers, but drivers are not legally required to purchase it as part of minimum insurance requirements.
Cameron Thiessen
Uninsured Motorist Coverage in North Carolina: Do You Need It?
Uninsured motorist coverage is part of North Carolina’s required legal minimum car insurance coverage.
Amber Reed
Uninsured Motorist Coverage in New Mexico: Do You Need It?
Every car insurance policy in New Mexico is required to offer uninsured motorist coverage, but drivers have the right to refuse it.
Mary Alice Morris
Uninsured Motorist Coverage in Vermont: Do You Need It?
Uninsured motorist (UM) coverage is legally required for all drivers in the state of Vermont. Here are the details.
Jacqulyn Graber
Uninsured Motorist Coverage in Wyoming: Do You Need It?
Uninsured motorist coverage isn’t required in Wyoming, but it might still be a good addition for a full coverage policy.
Meaghan Branham
Uninsured Motorist Coverage in Utah: Do You Need It?
Uninsured motorist coverage is not a legal requirement in Utah—but driving without it can put you at serious financial risk.
Mariza Morin
Uninsured Motorist Coverage in Georgia: Do You Need It?
Uninsured motorist coverage isn’t legally required in Georgia, but it’s protection you may want to have.
Amber Reed
Uninsured Motorist Coverage in Massachusetts: Do You Need It?
The amount of required uninsured motorist coverage is low—should you get extra to protect yourself after an accident? Here are the pros and cons.
Cassandra Hamilton
Uninsured Motorist Coverage in Ohio: Do You Need It?
Uninsured motorist coverage is not legally required for Ohio drivers.
Ethan Moser
Do You Need Uninsured Motorist Coverage in Kansas?
All Kansas drivers must have uninsured motorist coverage—along with liability coverages and personal injury protection.
Macy Fouse
Uninsured Motorist Coverage in Connecticut: Do You Need It?
Connecticut traffic law requires drivers to have uninsured/underinsured motorist coverage in addition to a liability insurance policy.
Mary Cahill
Uninsured Motorist Coverage in Michigan: Do You Need It?
Uninsured motorist coverage is not legally required in Michigan—but it's highly recommended given the state’s high population of uninsured drivers.
Pat Roache
Uninsured Motorist Coverage in Washington State: Do You Need It?
Uninsured motorist coverage isn’t required in Washington State, but skipping it is taking on an enormous risk.
Amber Reed
Uninsured Motorist Coverage in California: Do You Need It?
Uninsured motorist coverage might not be a legal requirement in California—but driving without it is seriously risky business.
Jason Tushinski
Uninsured Motorist Coverage in Oregon: Do You Need It?
Uninsured motorist coverage is a legal requirement in the state of Oregon.
Amber Reed
All Questions on Uninsured Motorist Protection
How do you check if a car has insurance?
I was in an accident yesterday, but the other driver and I didn’t exchange information. How do I check to see if they have car insurance?
Will Baldwin
What happens if a stolen car hits you?
I was hit from the side at a traffic light and when the driver pulled over, he exited the car and took off running! It turns out the car that hit me was stolen—what happens now?
Mary Cahill
Do you have to pay your deductible before your insurance pays out for any claims?
My car was hit by an uninsured driver. I have to submit a claim for damage done to my vehicle. I have uninsured motorist coverage, but do I still need to pay my collision deductible?
Emily Maracle
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?
Lauren Smith
What do you do if you're involved in a vehicle collision and the other driver doesn't have insurance?
I got into an accident recently and it turns out the other driver is uninsured. What am I supposed to do in this situation?
Jessica Bartolucci
Who pays for damage caused by a stolen car?
I was sideswiped by a speeding car that evaded the scene after the collision. I was informed by police that the driver was apprehended and it was discovered that the car that hit me was stolen—who pays for the damage?
Mary Cahill
Will my insurance cover me if my car is parked in front of my house facing the wrong direction?
I usually park my car in front of my house facing the wrong direction, so the cars on my street drive towards the front bumper. If my car gets hit in the front, will my insurance still cover me?
Joshua Levy
What are the consequences for driving without insurance?
If you're caught driving without car insurance, what can happen to you?
Jessica Bartolucci
How do I find out if someone has a car insurance policy?
Can I look up someone else's insurance information somehow? Someone hit my car, then they drove off before I got their information. I'm worried that they don't have insurance or something.
Liz Jenson
How do you sue someone with no car insurance?
I was in an accident with an uninsured driver. I was injured and my car is damaged. How can I sue the other driver for damages?
Emily Maracle
How do I file a car insurance claim for a car accident?
I was hit at a stoplight by an uninsured driver. How do I file a claim with my car insurance?
Emily Maracle
What happens if I cause an accident and don't have insurance?
What would happen if I caused an accident when I didn't have insurance? I accidentally let my policy lapse a few months ago. Everything is okay now since I have a new policy in place. But how bad could it have been if I didn't get a new policy?
Shannon Martin
Can you file a car insurance claim for a dent if you only have liability coverage?
I was walking back to my car after work when I noticed a massive dent in my car. I take really good care of my car, and I want to get it repaired if possible. I could pay out of pocket for this if necessary, but I didn't do this damage and I don't want to pay for it unless I have to. However, I'm not sure my insurance will cover it—is there any way can I file a claim for this damage if I only have liability coverage?
Eric Schad
How do you check if a car is insured?
Where can I look to see if a car is insured? I have a video of someone swiping my Honda and I want to make sure they can pay for the damages.
Joshua Levy
Do I need uninsured motorist coverage in Florida?
I’m moving to Florida from Connecticut, and I was hoping to cut down on some of my insurance costs if I can. Do I need to keep my uninsured motorist coverage in Florida?
Pat Roache
Do I need uninsured motorist coverage in Colorado?
I’m moving to Colorado next month, and I know some states require uninsured motorist coverage for drivers, but I’ve never had it before. Are you required to get uninsured motorist coverage in Colorado?
Pat Roache
Do I need uninsured motorist coverage in Texas?
I’m getting ready to buy my first car and take on insurance payments, but I’m a little confused by my parents’ insurance policy. Is uninsured motorist coverage required in Texas?
Pat Roache
Do I need uninsured motorist coverage in California?
There are so many different types of optional coverage that you can add on to your insurance policy! Is uninsured motorist coverage something I need to get?
Jacqulyn Graber
Do I need uninsured motorist coverage in Georgia?
I recently moved to Georgia and need to switch over my car insurance policy. Is uninsured motorist coverage required in Georgia?
Jacqulyn Graber
Do I need uninsured motorist coverage in Louisiana?
I’m moving to Louisana in a few months, and I want to be on top of my car insurance before I move. I’m aware that I need liability, but do I need uninsured motorist coverage?
Andrea Barrett
Do I need uninsured motorist coverage in Michigan?
I’m moving to Michigan for school, and I would like to update my car insurance policy before I move. I know I need basic liability insurance, but is uninsured motorist coverage required in Michigan?
Andrea Barrett
Do I need uninsured motorist coverage in Hawaii?
I’m spending two years in Hawaii at the end of this year, and I will be getting a car for my stay. I know I’ll need liability insurance but do I also need uninsured motorist coverage?
Andrea Barrett
Do I need uninsured motorist coverage in Nevada?
I’m moving to Nevada for work and will need to update my insurance policy before leaving. Do I need uninsured motorist coverage, or is basic liability enough?
Andrea Barrett
Do I need uninsured motorist coverage in Oklahoma?
I am heading to Oklahoma for school in the fall and bringing my car. I know I need to update my insurance policy, but I’m unsure what coverage I need—do I need uninsured motorist coverage?
Andrea Barrett
What does the Mitsubishi warranty cover?
I just got rear-ended and my back bumper is all messed up! Can I get this repaired for free under my Mitsubishi warranty?
Cassandra Hamilton
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