Lilah Butler, Car Insurance Writer
@lilah_c
State Farm uninsured motorist insurance covers the policyholder after an accident caused by an uninsured driver. Depending on the policy details, State Farm uninsured motorist insurance can include bodily injury and property damage coverage for accidents with uninsured drivers. It may also cover damage after a crash caused by an underinsured motorist, which is a driver whose policy limits are not high enough to pay for all accident-related expenses.
Uninsured motorist (UM) insurance from State Farm varies depending on the state. Some form of UM coverage is required in 22 states and the District of Columbia, and it's available in many others. Uninsured motorist bodily injury coverage (UMBI) is required more often than uninsured motorist property damage coverage (UMPD), since UMPD overlaps with collision insurance.
To see if your State Farm policy includes uninsured motorist coverage, you can check your policy details or call customer service at 1-800-782-8332.
To learn more, check out WalletHub's guide to uninsured motorist coverage, as well as our complete review of State Farm.
People also ask
Do I need uninsured motorist coverage if I have collision and comprehensive?
Yes, you need uninsured motorist coverage, even if you have collision and comprehensive. Collision insurance will pay to repair your vehicle if you’re hit by an uninsured driver, but it won’t pay for any of your medical expenses, and comprehensive insurance won’t cover your costs at all after a collision. Comprehensive insurance only pays for repairs if your car is damaged by something other than a collision, such as vandalism or a natural disaster. And you would...
read full answer by WalletHub, Financial CompanyWhat does State Farm comprehensive insurance cover?
State Farm comprehensive insurance covers damage to the policyholder’s car that was caused by something other than a collision, such as vandalism or a natural disaster. State Farm comprehensive coverage will pay up to the actual cash value of the vehicle, minus any deductible, for covered repairs.
What State Farm Comprehensive Car Insurance Covers
- Theft
- Vandalism and damage from civil disturbances
- Damage from falling objects, like trees
- Fire damage
- ...
Does uninsured motorist cover a hit and run?
Yes, uninsured motorist insurance (UM) covers hit-and-run accidents in most states. In states like California and Illinois, however, drivers cannot use uninsured motorist property damage coverage (UMPD) to repair or replace their vehicle if the at-fault driver is unidentified. In these instances, drivers must file a claim with their collision insurance, if they have it.
What Uninsured Motorist Insurance Covers in a Hit and Run
Your uninsured motorist bodily injury insurance (UMBI) will cover your injuries, while uninsured motorist property damage insurance...
read full answer by WalletHub, Financial CompanyDid we answer your question?
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My State Farm Agent says uninsured motorist coverage will cost me 600 a year. My liability limits are 100000/300000. Is this accurate. I live in Florida.