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Personal Finance

What is uninsured motorist coverage?

Quick Answer

Uninsured/underinsured motorist (UM/UIM) coverage pays your medical bills, lost wages, and pain and suffering when an at-fault driver has no insurance or not enough. About 14% of US drivers are uninsured - match your UM limits to your liability limits.

Share of US drivers without insurance by region.
Warren Team
Updated April 26, 2026
38

Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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