Uninsured Motorist Coverage — Arizona
Uninsured Motorist Coverage pays your medical bills and lost wages when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage steps in when the at-fault driver has no insurance or insufficient coverage to pay your medical expenses, lost income, and pain and suffering. It also covers hit-and-run crashes where the driver cannot be identified.
Who Needs Uninsured Motorist Coverage Insurance?
If you're reinstating your license after a suspension and need to maintain continuous coverage to avoid another suspension, UM coverage is critical. A crash with an uninsured driver creates medical bills you can't afford and a gap in coverage that triggers a new suspension if you drop your policy to avoid paying those bills. If you're carrying an SR-22 after a DUI or driving uninsured conviction, one uninsured driver hitting you can spiral into a financial crisis that keeps you suspended longer.
Compare the monthly UM premium to your health insurance deductible and out-of-pocket maximum.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your county's uninsured driver rate — Maricopa and Pima counties have higher uninsured rates, which can raise UM premiums slightly
- Stacked vs. non-stacked coverage — stacking multiplies your UM limit by the number of vehicles on your policy, increasing cost but also protection
- Your liability limits — carriers typically cap UM limits at or below your liability limits, so higher liability coverage can increase UM pricing options
- Claim history — prior UM claims can raise your premium, even though you weren't at fault, because you represent higher utilization risk to the carrier
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