What Is Uninsured Motorist Insurance?

uninsured-motorist-insurance Credit: Alex_Schmidt/iStock / Getty Images Plus/Getty Images

Uninsured motorist insurance is a type of automobile insurance that protects a driver if they are involved in an accident with someone who does not have liability coverage. The options and limits for this coverage vary by state.

Uninsured motorist insurance typically pays for pain and suffering, lost wages and medical bills. In some states uninsured motorist insurance is required. In others it is optional. When choosing uninsured motorist insurance, the buyer has to choose a limit. This determines the maximum amount the policy holder receives from the insurance company should they use their policy. The buyer also has the choice of a combined single limit or a split limit when choosing uninsured motorist insurance.