Coverages / Uninsured / underinsured motorist
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Uninsured / underinsured motorist
Your injuries when the at-fault driver has no or too little insurance. On a motorcycle, where the rider absorbs the crash, this is the line most worth buying at a real limit.
- 1RV and trailer types 3
- 2Powersports types 2
- 3Questions to ask 2
- 4All lines 14
When it matters
It pays your own injuries and, in some states, vehicle damage when the at-fault driver has no insurance or too little to cover what they did.
Uninsured and underinsured motorist coverage exists because many drivers carry only the minimum their state requires, and some carry nothing at all. When one of them causes a crash that badly injures you, their policy may pay a small part of your costs. UM/UIM steps in for the rest, up to the limit you chose.
On a motorcycle the case for it is strongest, because in a car-versus-bike crash the rider takes almost all of the injury. Rules vary by state: some require insurers to offer it, some let you reject it in writing, some let limits stack across several vehicles on one policy. A common rule of thumb is to match UM/UIM to your own liability limits.
The common mistake is rejecting it to save a little on the premium, which removes the protection riders are most likely to need when the other driver is at fault and underinsured.
Ask before you buy
- Are UM/UIM limits stacked across vehicles in your state?
- Does it cover vehicle damage as well as injury?
Vehicles it is on
Other lines
Liability (bodily injury and property damage) · Collision · Comprehensive · Medical payments / PIP · Custom parts and equipment · Total loss replacement · Agreed value · Full-timer liability · Vacation (campsite) liability · Personal effects · Emergency expense · Roadside assistance and towing · Storage / lay-up option
Written from standard RV and motorcycle policy forms; your policy's wording governs. Checked 2026-10-23. Methodology.