What This Coverage Includes
- Medical expenses from accident with uninsured driver
- Lost wages from injuries caused by uninsured driver
- Pain and suffering damages (where permitted)
- Property damage in some policies
What This Coverage Does NOT Include
- Damage to your vehicle (that's collision/comprehensive)
- When at-fault driver HAS sufficient insurance
When This Coverage Makes Sense
- Required in CT, DE, MA, ME, MN, NC, NJ, NY, OR (check specific requirements)
- Recommended everywhere given uninsured driver rates
- Important if you have health insurance with gaps/deductibles
When You Might Skip This Coverage
- If you have excellent health/disability insurance AND can afford gap
- In states where PIP sufficiently covers your injuries
Cost Considerations
Typical Additional Cost: $50-150 per year typically
Premium costs vary significantly by location, vehicle, driver profile, and chosen limits. The figures above are national averages and should be used only as rough guidance. Get actual quotes for accurate pricing.
Frequently Asked Questions
This depends on both the specific coverage type and your state. Some coverages (like liability) are required in nearly all states. Others (like collision, comprehensive, or gap insurance) are optional but may be required by your lender/lessor if you finance or lease your vehicle. Check our state-by-state minimum requirements guide for specifics.
In most cases, yes. You can add, remove, or adjust optional coverages (collision, comprehensive, roadside assistance, etc.) at any time by contacting your insurer. Changes typically take effect at your next renewal, though some adjustments can be made mid-term with possible prorated refunds or additional charges. Required coverages (like state minimum liability) cannot be dropped below legal minimums.
This information is educational only. Coverage details, availability, and costs vary by insurer and state. Always review actual policy documents before purchasing. Consult licensed professionals for advice specific to your situation.