Uninsured motorist coverage (UM coverage) provides financial protection when you’re involved in an accident caused by an uninsured driver. Let’s explore the types of damages typically covered by UM coverage.

Uninsured motorist coverage typically covers the following types of damages:

  • Medical expenses It helps pay for medical expenses resulting from injuries sustained in the accident. This can include hospital bills, surgeries, doctor visits, medication costs, rehabilitation, and other necessary medical treatments.
  • Lost wages If the accident leads to your inability to work, UM coverage may provide compensation for lost wages. It helps replace the income you would have earned during the recovery period.
  • Pain and suffering Uninsured motorist coverage may also provide compensation for pain and suffering caused by the accident. This includes physical pain, emotional distress, mental anguish, and a decrease in quality of life due to the injuries sustained.
  • Property damage In some cases, UM coverage can extend to cover property damage resulting from the accident. This includes repairs or replacement costs for your vehicle or other damaged property.

What are the other damages that uninsured motorist coverage covers? 

Depending on your policy and state regulations, uninsured motorist coverage may also cover other damages, including: 

  • Loss of consortium (damages suffered by your spouse or family due to your injuries)
  • Funeral expenses
  • Legal fees if you need to pursue a legal claim against the uninsured driver.


It’s important to review your insurance policy and consult with your insurance provider to understand the specific coverage limits and details of your uninsured motorist coverage. They can provide guidance on the types of damages covered, any limitations, and the claims process.

Remember, the availability and specific coverage details may vary depending on your policy, state laws, and other factors. Ensuring you have adequate uninsured motorist coverage helps protect you financially in case of accidents involving uninsured drivers.

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