Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Oct 30, 2020

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In the current economic downturn, many of us are being forced to make many difficult financial decisions. When we have to choose a mortgage payment, groceries, or school supplies over auto insurance, we are gambling with our finances and well-being. However, thousands of people every day drive with auto insurance, even though it is required by law to carry it. Uninsured motorist coverage is required in 48 states, Massachusetts and Maine are the only states where it is not.

Uninsured Motorist Coverage
Wouldn’t it be nice if everyone had sufficient insurance?

Unfortunately, for some of us, tough decisions such as these simply aren’t avoidable. The Insurance Research Council performed a study that revealed the fact that there are 13.8% of US drivers are still driving uninsured and this number is only expected to increase by next year with the rise of unemployment and debt.

You should never cut Uninsured Motorist coverage from your policy. You may not be required to have it in your state, but it can protect you financially in the worth of scenarios. If someone were to cause an accident with your vehicle, and they don’t have auto insurance, it could take years to get your money. And may even cost you thousands of dollars in legal fees, if they try not to pay.

Your level of Uninsured Motorist protection should be on par with Bodily Injury Liability coverage. Uninsured Motorist coverage is relatively inexpensive, so it shouldn’t put a big dent in your bank accounts.

Uninsured Motorists Property Damage coverage (UMPD) is another, not very well known, type of auto insurance that many motorists overlook. Again, Uninsured Motorists Property Damage protection isn’t required by most states, but should definitely be considered. If you own an older car and consider yourself a particularly cautious driver, you may be able to avoid UMPD coverage. Instead, a collision coverage package should be in place to protect yourself from the chance of exorbitant car repairs.

Some states have incredibly high uninsured motorist rates. In states like Alabama, Florida, MississippiNew Mexico, and Oklahoma, more than 20% of all drivers are uninsured. This could pose a serious risk to your financial and personal well-being. In other words, 1 in 5 drivers may not be able to pay you immediately for bodily or property damage in the case of a collision. There is also the cheaper alternative of being a diligent and defensive driver. Although the accident may not be your fault, it’s always best to avoid any chance of collision.

Drivers in Maine, Massachusetts, New York, North Dakota, and Vermont are among the highest percentage of insured drivers, where over 94% of the population has auto insurance.

Another easy way to save a great deal of money on your Uninsured Motorist and Uninsured Motorists Property Damage is to get an array of auto insurance quotes, rather than just a single quote. Entering your zip code above will send you on your way to dozens of auto insurance quotes in minutes. You’re probably paying hundreds of dollars more than you need to when you don’t shop around.