Do You Really Need Uninsured Motorist Coverage If You Have Health Insurance?

Updated October, 2020
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Yes. Uninsured motorist coverage is required by 22 states. It also protects you more than normal health insurance. On top of medical expenses, it covers lost wages and property damage.

What is uninsured motorist coverage?

This type of coverage protects you when you’re hit by a driver who doesn’t have insurance, or when they don't cover the full amount of damage.

Without uninsured motorist coverage, you're stuck paying out-of-pocket for any injuries. Suing the uninsured driver for your medical expenses is an option, but this process takes time and you may not receive a settlement.

Why do I need uninsured motorist coverage if I have health insurance?

Despite having health insurance, 22 states require you to also have uninsured motorist coverage including:

  • Connecticut
  • District of Columbia
  • Illinois
  • Kansas
  • Maine
  • Maryland
  • Massachusetts
  • Minnesota
  • Missouri
  • Nebraska
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • North Dakota
  • Oregon
  • South Carolina
  • South Dakota
  • Vermont
  • Virginia
  • Washington D.C.
  • West Virginia

Even if it's not required by your state, it's still a smart addition to your policy. Health insurance doesn't have the same coverage as uninsured motorist insurance.

Health insurance only pays for your bills up to your limit. Uninsured motorist insurance covers your medical bills, and your passenger's medical bills. It even pays for lost wages.

What does uninsured motorist insurance cover?

Uninsured motorist bodily injury covers:

  • Injuries to passengers in the car at the time of the accident
  • Injuries sustained to the driver
  • Expenses for pain and suffering
  • Lost wages
  • Damages to pedestrians

Uninsured motorist property damage covers:

  • Car damage
  • Damage to property

Overall, uninsured motorist insurance protects you far more than health insurance, so adding it to your policy is a great idea. Contact Allstate for an easy quote, today. You can get more info and explore what's right for you.

Get uninsured motorist coverage today

Uninsured motorist insurance is important, whether your state requires it or not. Don't leave yourself at risk for an accident with an uninsured driver.

Get instant quotes tailored to your needs - fill out our short form, today!

Call an insurance expert
Our team will help you find the lowest insurance prices.
866-996-3156