Uninsured and underinsured motorist coverage (UM/UIM coverage) can have different implications in a no-fault insurance state. In states with a no-fault insurance system, each driver’s insurance typically covers their own medical expenses and related damages, regardless of who is at fault in an accident. This system aims to provide prompt compensation and avoid extensive legal battles. However, the availability and usage of UM/UIM coverage can still vary in these states.

How much does UM/UIM coverage help in no-fault insurance states?

  • Limited Usage –  In some no-fault states, the use of uninsured motorist coverage may be limited. This means that it may only apply if certain conditions are met, such as severe injuries surpassing a specific threshold or the at-fault driver is identified and found to be uninsured.
  • Property damage coverage – In no-fault states, UM/UIM coverage is primarily focused on bodily injury claims rather than property damage. If you need coverage for property damage caused by an uninsured or underinsured driver, it’s important to check the specific terms of your policy or consult with your insurance provider.
  • Supplementary Coverage – Even in no-fault insurance states, uninsured and underinsured motorist coverage can still provide supplementary benefits. For example, it can help cover additional medical expenses, lost wages, or other damages beyond what the no-fault insurance system provides.


It’s crucial to review the laws and regulations specific to your state to understand how UM/UIM coverage operates in a no-fault insurance state. Additionally, consult with your insurance provider to clarify the details of your policy, including any limitations or additional benefits offered. They can provide tailored information based on your state and policy terms.

While UM/UIM coverage in no-fault insurance states may have some limitations, it can still provide valuable protection in situations where the at-fault driver is uninsured or underinsured or when specific conditions are met as per state regulations.

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