Uninsured Motorist Coverage — Illinois
Uninsured and underinsured motorist coverage pays your medical bills and vehicle damage when the at-fault driver has no insurance or insufficient limits to cover your losses.
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What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage (UM) pays your medical expenses, lost wages, and vehicle repair costs when an at-fault driver has no insurance. Underinsured motorist coverage (UIM) kicks in when the at-fault driver's liability limits are too low to cover your full damages. Both coverages protect you from paying out-of-pocket for someone else's mistake when that driver lacks adequate insurance.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
Calculate what you'd pay out-of-pocket if an uninsured driver totaled your car and sent you to the ER tomorrow. If that number exceeds your liquid savings, carry UM/UIM at limits matching your liability coverage. If your health insurance has a high deductible or doesn't cover auto accidents fully, UM bodily injury coverage is non-negotiable.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Your UM/UIM limits—most carriers offer limits matching your liability coverage, and higher limits cost more.
- Whether you select stacked or unstacked coverage—stacked UM/UIM multiplies your per-vehicle limit by the number of insured vehicles, increasing both protection and premium.
- Your ZIP code's uninsured driver rate—Cook County and East St. Louis areas see higher UM premiums due to elevated uninsured motorist rates.
- Claims history—filing a UM claim can raise your premium at renewal, even though you weren't at fault, because it signals higher risk exposure to your carrier.
