Auto Uninsured/Underinsured Motorist Coverage Calculator 2027
Calculate uninsured (UM) and underinsured motorist (UIM) coverage needs for 2027 — protects when at-fault driver has no insurance or insufficient limits.
UM vs UIM Difference
UM: at-fault driver has NO insurance. UIM: at-fault driver has insurance but limits too low to cover your injuries. Both written together typically. Some states stacked, some not.
Why State Minimums Fail
Most states min $25k UM. A broken leg surgery + 6 weeks lost work easily exceeds $50k. Concussion with rehab = $100k+. State minimum is for the at-fault driver's wallet protection, not yours.
Match Liability Coverage
If you carry $250k liability, match $250k UM/UIM. Reasoning: you're equally injured whether at-fault or victim. Equal coverage = consistent protection level.
13% of US Drivers Uninsured
Per Insurance Research Council. Higher in some states (Mississippi 30%, NM 25%, MI 22%). Hit-and-run = treated as UM claim too. Even responsible drivers regularly hit uninsured.
Source: iii.org auto insurance studies, naic.org coverage analysis. Last updated: May 2026.
Frequently Asked Questions
Does UM/UIM cover passenger family?
Yes. Your family members covered as passengers in your car. Some policies also cover you as pedestrian or in someone else's car.
Is UM required?
Required in ~22 states (must offer, must reject in writing). Optional in 28 states. Even where optional, strongly recommended.
Can I sue the at-fault driver?
You can, but uninsured drivers usually have no assets to collect from. Your UM coverage is the practical recovery path.