Uninsured Motorist Coverage for Senior Drivers
Uninsured Motorist Coverage pays for your injuries and damages when you're hit by a driver who has no insurance or not enough insurance to cover your losses.
Compare Auto Rates for Senior DriversWhat Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage (UM) protects you when an at-fault driver has no insurance or insufficient coverage to pay for your injuries, vehicle damage, and other losses. The coverage includes two parts: Uninsured Motorist Bodily Injury (UMBI) pays medical expenses, lost wages, and pain and suffering when an uninsured driver injures you, while Uninsured Motorist Property Damage (UMPD) covers damage to your vehicle. This coverage also applies in hit-and-run accidents where the at-fault driver cannot be identified.
Who Needs Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage is strongly recommended for all senior drivers, particularly those in states where it's optional. Senior drivers should especially consider UM coverage because medical costs from accident injuries are substantially higher after age 65, Medicare does not cover auto accident injuries as primary insurance, and recovery periods are longer — making the financial impact of an uninsured driver collision far more severe.
If your state requires UM coverage, maintain at least the minimum — but strongly consider increasing limits to match your liability coverage, especially if you have significant assets to protect or limited health coverage for auto accidents.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your liability coverage limits — UM limits typically cannot exceed your liability limits, affecting available options
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