If you are hit by a driver without auto insurance or one who does not carry enough coverage to cover your damages or injuries, you will be covered by uninsured/underinsured motorist coverage. These two types of coverage are required in many states and highly recommended. Your hit-and-run coverage will pay if you are the victim of an accident caused by an uninsured motorist. Uninsured motorist insurance, or UM coverage, is not required in all states. Regardless of whether you’re required to carry UM coverage or not, driving without it can put you in serious danger. This is a listing of states that require or do not require Uninsured Motorist Coverage.

State Is Uninsured Coverage Required? Details
Alabama No N/A
Alaska No N/A
Arizona No N/A
Arkansas No N/A
California No N/A
Colorado No N/A
Connecticut Yes Bodily Injury at $25,000 per person, $50,000 per accident
Delaware No N/A
District of Columbia Yes Bodily Injury at $25,000 per person, $50,000 per accident and Property Damage at $5,000, subject to $200 deductible
Florida No N/A
Georgia No N/A
Hawaii No N/A
Idaho No N/A
Illinois Yes Bodily Injury at $25,000 per person, $50,000 per accident
Indiana No N/A
Iowa No N/A
Kansas Yes Bodily Injury at $25,000 per person, $50,000 per accident
Kentucky No N/A
Louisiana No N/A
Maine Yes Bodily Injury at $50,000 per person and $100,000 per accident
Maryland Yes Bodily Injury at $30,000 per person ($60,000 per accident) and Property Damage at $15,000
Massachusetts Yes Bodily Injury at $20,000 per person, $40,000 per accident
Michigan No N/A
Minnesota Yes Bodily Injury at $25,000 per person, $50,000 per accident
Mississippi No N/A
Missouri Yes Bodily Injury at $25,000 per person, $50,000 per accident
Montana No N/A
Nebraska Yes Bodily Injury at $25,000 per person, $50,000 per accident
Nevada No N/A
New Hampshire* Yes Bodily Injury at $25,000 per person, $50,000 per accident
New Jersey No N/A
New Mexico No N/A
New York Yes Bodily Injury at $25,000 per person, $50,000 per accident
North Carolina Yes Bodily Injury at $30,000 per person ($60,000 per accident) and Property Damage at $25,000
North Dakota Yes Bodily Injury at $25,000 per person, $50,000 per accident
Ohio No N/A
Oklahoma No N/A
Oregon Yes Bodily Injury at $25,000 per person, $50,000 per accident
Pennsylvania No N/A
Rhode Island No N/A
South Carolina Yes Bodily Injury at $25,000 per person ($50,000 per accident) and Property Damage at $25,000 with $200 deductible
South Dakota Yes Bodily Injury at $25,000 per person, $50,000 per accident
Tennessee No N/A
Texas No N/A
Utah No N/A
Vermont Yes Bodily Injury at $50,000 per person ($100,000 per accident) and Property Damage at $10,000 with $150 deductible
Virginia* Yes Bodily Injury at $25,000 per person, ($50,000 per accident) and Property Damage at $20,000 with $200 deductible
Washington No N/A
West Virginia Yes Bodily Injury at $25,000 per person ($50,000 per accident) and Property Damage at $25,000 for property damage
Wisconsin Yes Bodily Injury at $25,000 per person, $50,000 per accident
Wyoming No N/A

As of July 2021

Uninsured/underinsured motorist insurance covers your injuries, your passengers’ injuries, and damage to your vehicle if you’re hit by a driver who doesn’t have enough insurance. Uninsured and underinsured motorist coverage vary by state: It may be separate, combined, or consist of four coverages:

When you are hit by an uninsured driver:

Uninsured motorist bodily injury (UMBI) pays medical bills for both you and your passengers
Uninsured motorist property damage (UMPD) pays for damage to your vehicle

When you are hit by an underinsured driver:

Underinsured motorist bodily injury (UIMBI) pays medical bills for both you and your passengers
Underinsured motorist property damage (UIMPD) pays for damage to your vehicle

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