Uninsured Motorist Claims

What to do when you're hit by an uninsured driver, how UM coverage works, filing a claim under your own policy, and recovering damages.

What You Need to Know

Filing a uninsured motorist claims can be a complex process that varies significantly depending on your state. Insurance companies have teams of adjusters and attorneys working to minimize payouts, so understanding your rights and the claims process is essential to getting a fair outcome.

Key Steps

  1. Document everything — Gather all evidence, including photos, police reports, medical records, and correspondence with your insurance company.
  2. Know your policy — Review your insurance policy carefully to understand your coverage limits, deductibles, and exclusions.
  3. File promptly — Most policies have strict deadlines for reporting claims. Missing these deadlines can result in claim denial.
  4. Get professional estimates — Obtain independent estimates for damages rather than relying solely on the insurance company's assessment.
  5. Don't accept the first offer — Insurance companies often start with low settlement offers. Get an independent read on what the claim is worth before you respond.

Uninsured Motorist Claims by State

Insurance laws, filing deadlines, and consumer protections vary by state. Select your state below for a uninsured motorist claims guide tailored to your location.

AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming