If you're hit by a driver with no insurance—or someone who flees the scene—Uninsured Motorist Coverage steps in to help with your medical bills and related costs.
In some states, this coverage also protects you when the other driver’s insurance isn’t enough. For instance, if their policy only meets the state minimum but your medical expenses go far beyond that, your coverage may fill the gap.
Even property damage could be covered, depending on where you live. It’s added protection for life’s unpredictable moments behind the wheel.
What if an uninsured driver crashes into you and can’t pay for the damage? Or if you’re left dealing with a hit-and-run? That’s where Uninsured Motorist Coverage makes a difference. It helps cover your medical and repair bills when the other driver lacks insurance or doesn’t have enough to fully pay.
While some states make this coverage mandatory, others give you the choice to decline it. Not sure what applies where you live? Visit a DLInsure Auto Insurance office or call 1-987-654-3210 to find out how to protect yourself today.
Potential real life scenario:
You’re waiting at a red light with your best friend when suddenly, a truck hits you from behind and drives away without stopping. Both of you are hurt, and your car’s bumper is smashed. After reporting the hit-and-run to the police, your Uninsured Motorist coverage can help pay for medical expenses for you and your friend. In some states, it might also cover the costs to fix or replace your car, providing essential protection when the other driver can’t be found.
Uninsured Motorist Coverage isn’t just for personal vehicles—it can also be included in your commercial auto policy. This coverage helps protect you and your employees by covering medical bills and other related expenses if you’re involved in a hit-and-run or an accident where the at-fault driver lacks sufficient liability insurance to cover your claim.
For business owners, this protection safeguards both your investment and your team. If you’re unsure whether adding Uninsured Motorist Coverage to your commercial policy is right for your business, stop by a DLInsure Auto Insurance location or call 1-987-654-3210 to get personalized guidance and peace of mind.
For details on adding Uninsured Motorist Coverage to your personal or commercial auto insurance, visit a nearby DLInsure Auto Insurance location. This coverage helps protect you when the at-fault driver lacks adequate insurance.
To further safeguard your expenses after an accident, consider adding medical payments coverage along with comprehensive and collision insurance. These options work together to give you broader protection and peace of mind.
Liability-only insurance is the most basic coverage you can buy—it helps keep costs down but isn’t right for everyone. If you're leasing or still paying off your car, lenders often require more than just liability coverage.
However, if your car is older, fully paid off, or you rarely drive, sticking with liability-only might be a smart, money-saving choice. It all depends on your needs, budget, and how much risk you're comfortable taking on.
Enter ZIP code to find a DLInsure Auto location near you.
Enter ZIP code to start your quote.
We want to raise the standard for service in our industry, so we offer customized coverage, in language you can understand.
© 2025 DLInsure | All Right Reserved