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If You Are A State Farm Customer Uninsured Motorist Coverage May Be Required In Your State.

making a decision

Making a decision to get the most out of your policy. Image Credit: Author Owned.

According to the Insurance Research Council (IRC) between 17 and 25 percent of all drivers currently on the road are driving without any car insurance at all.

That puts you (and the rest of us) at great risk. If you are a car insurance customer with State Farm, you can protect yourself against these folks by making sure your policy has uninsured motorists coverage included.

Required in some states

While most well crafted car insurance policies will have uninsured motorists coverage as a clause, there are a few states where it is a legal requirement for licensed drivers.

You’ll need to include uninsured motorists coverage with your car insurance policy if you live in one of these states:

(You will also need to have this option in place if you live in Washington, D.C.)

How it works and what it covers

how it works

Always think about your policy options before making a decision. Image Credit: gnuckx select1

Most states have car insurance requirements for licensed drivers and most of those requirements center around liability coverage.

Liability insurance pays for repair of damage or treatment of injuries you cause in an accident deemed to be you fault.

Uninsured motorists coverage acts, in a way, like reverse liability – if your car is damaged or you are hurt in an accident deemed to be the other guy’s fault and he doesn’t have liability coverage to pay your expenses, uninsured motorists coverage will. In such a case, uninsured motorists coverage, could be used to help pay for:

  • Bodily injury treatment costs

  • Medical expenses

  • Lost wages

  • Compensation for pain and suffering

  • Damage to your car or personal property

The coverage option will pay on claims in any of the following circumstances:

  • Being hit by a completely uninsured driver

  • Being hit by a hit-and-run driver

  • Being hit by an underinsured driver

This last situation is interesting. Even if a driver who has his/her state’s legal liability levels in place hits you, many mandatory state coverage levels are quite low compared to what medical treatment or car repair bills can be.

There are a number of car insurance companies who offer underinsured motorist coverage as an option separate and distinct from uninsured motorist coverage. State Farm protects you under a single option.

1933 Chevy Coupe

Would you know how much to get for a 1933 Chevy Coupe? Image Credit: e_monk

How much should you get?

If you live in a state requiring you to carry uninsured motorist coverage, the state will set a minimum level needed to meet that requirement.

(Believe it or not, there are some states that have set a cap on the amount of uninsured motorists coverage an insurer can sell you.)

As a rule of thumb, it makes sense to put uninsured motorist coverage levels in place that mirror whatever liability coverage levels you have.

Like liability coverage, uninsured motorist options usually have two parts: a bodily injury portion and a property damage portion.

Also note that as far as optional coverage selections go, uninsured motorists coverage is one of the least expensive add-ons you can include in a car insurance policy.

If you are an existing State Farm customer and don’t have it, adding it may actually qualify you for premium discounts. With a one-in-four chance of encountering an uninsured driver out there, consider just what you have to lose?

Jeffrey Davidson

Jeffrey Davidson

Jeffrey Davidson is a writer with Reply!. He has more than 25 years of marketing research, public relations consulting and freelance writing experience and work in all areas of the auto insurance industry. For more help, see his main article on State Farm.
2 Comments
  1. The problem is State Farm’s uninsured motorist coverage doesn’t work like any of that. I’ve been told plenty of times by State Farm agents that all the Uninsured motorist covers is bodily harm.

    I actually just recently got into a uninsured motorist accident and now my car is total’d and I’m down a vehicle because of State Farm not wanting to cover it because she didn’t have insurance.

    • I am actually going thru the same thing.. I know this post is old buy it was involved in a hit and run .. the driver hit me and left and state farm said it was my fault.. that’s crazy