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Uninsured Motorist Coverage — Kentucky

Uninsured and underinsured motorist coverage pays for your injuries and vehicle damage when the at-fault driver has no insurance or too little to cover your losses.

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What Is Uninsured and Underinsured Motorist Coverage Insurance?

Uninsured motorist coverage (UM) pays when an at-fault driver has no insurance. Underinsured motorist coverage (UIM) pays when their liability limit is too low to cover your damages. Both coverages step in after the at-fault driver's insurance is exhausted or confirmed absent, covering medical bills, lost wages, vehicle repair, and in some cases pain and suffering up to your policy limit. You file the claim with your own insurer, not the at-fault driver's.

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Who Needs Uninsured and Underinsured Motorist Coverage Insurance?

You should carry UM/UIM if you drive frequently in areas with high uninsured driver rates, if your health insurance has high deductibles or doesn't cover auto accident injuries fully, or if you're financing a vehicle and can't afford to pay repair costs out of pocket after an uninsured driver hits you. It's also critical if you carry liability-only coverage and have no collision protection—UM property damage becomes your only path to vehicle repair after a not-at-fault crash with an uninsured driver.

Compare your UM cost to your health insurance deductible and the value of your vehicle. If one in seven drivers is uninsured, you're statistically likely to encounter one every few years of regular driving.

How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?

Your UM/UIM limit—higher limits cost more, but the cost increase is modest compared to the protection gap it closes.
Whether you choose stacked or unstacked coverage—stacked UM multiplies your per-vehicle limit by the number of insured vehicles, roughly doubling the cost.
Your county's uninsured driver rate—areas with higher uninsured motorist populations see slightly higher UM premiums.
Your liability limits—carriers often require UM limits to match or stay below your liability limits, so higher liability coverage indirectly raises UM cost.
Claim history on UM coverage—if you've filed UM claims before, some carriers price it higher at renewal.

Related Coverage Types

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Non-Owner Car Insurance→

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Minimum Coverage Car Insurance→

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Liability Insurance→

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Personal Injury Protection→

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