Uninsured Motorist Coverage — Idaho
Uninsured Motorist Coverage pays for your injuries and damages when the at-fault driver has no insurance or insufficient liability limits to cover your claim.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage steps in when the driver who caused your crash has no liability insurance or carries limits too low to cover your medical bills, lost wages, and vehicle damage. It covers you, your passengers, and family members listed on your policy. This coverage does not pay for damage to your vehicle in most states—that requires a separate Uninsured Motorist Property Damage endorsement. The coverage limit you select replaces the liability coverage the at-fault driver should have carried.
Who Needs Uninsured Motorist Coverage Insurance?
Drivers reinstating a suspended license after DUI or points accumulation should carry Uninsured Motorist Coverage because you already face higher premiums in the non-standard market and cannot afford out-of-pocket injury costs if an uninsured driver hits you during your reinstatement period. Drivers without health insurance benefit most because UM replaces the medical coverage you lack when someone else causes your injuries.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your own driving record and claims history—carriers price this coverage based on your likelihood of filing any injury claim, not just uninsured motorist claims, because fraud and exaggerated claims are common in UM cases.
- Medical payment coverage on your policy—if you already carry MedPay or Personal Injury Protection, your insurer may reduce UM pricing slightly because those coverages pay first and reduce the likelihood of a large UM claim.
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