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                  • Home
                  • Insurance Choices
                    • Auto Insurance
                      • Coverage
                      • Benefits
                      • Discounts
                      • Payments
                    • Home & Condo Insurance
                      • Homeowners Standard Coverages
                      • Condo Coverage
                      • Additional Coverage Options
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                    • Auto Claims
                      • Filing an auto insurance claim
                      • Auto insurance claim process
                      • Repairing Your Car
                      • Total loss car vs. repairable vehicles
                      • What happens after your car is totaled?
                      • How to determine car value
                      • The basics of not-at-fault accidents
                    • Homeowners Claims
                      • Filing a homeowners insurance claim
                      • Home insurance claim guide
                    • Common Claims Questions
                      • What to do after a car accident
                      • How long does an insurance claim take to settle?
                      • What to do if insurance denies claim and more claims tips
                      • I’ve hired an insurance claim attorney - what can I expect?
                      • What is subrogation?
                      • What effect does a not-at-fault accident have on my insurance?
                    • Types of Insurance Claims
                      • Rear-end collisions
                      • Parking lot accidents
                      • Identity theft
                      • Home theft
                      • Water damage
                      • Wind and hail damage
                    • Ways to Report a Claim
                      We're available 24 hours a day, 365 days a year. File a claim report online or report a claim anytime by calling us now.
                      File a claim
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                        Check out all the different benefits and discounts that we offer through CONNECT. From auto to home insurance, we've got you covered.

                        See benefits and discounts
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                        See what customers have to say about their experience with CONNECT. Read auto and home insurance reviews to learn about our superior customer service and more!

                        Hear from our customers
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                        Have questions around your insurance policy or claims? We’re here to help. Find a CONNECT phone number and other contact info you need.
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                                  Uninsured Motorist Coverage
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                                  1. Home
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                                        • 4 questions to ask about car and home insurance when you move
                                        • Home market value vs. replacement cost
                                        • Homeowners insurance declaration page
                                        • Actual cash value of a total loss vehicle
                                        • Insurance for college students
                                        • Old car insurance: effective coverage for your aging vehicle
                                        • Understanding property damage mitigation
                                        • Understanding replacement cost coverage
                                        • Home Insurance deductible
                                        • Understanding your car insurance deductible
                                        • Water damage insurance claims vs. flood claims
                                        • Understanding negligence and liability
                                        • What to know when shopping for car insurance
                                        • Car storage insurance
                                        • Become street savvy: earn a defensive driving discount
                                        • Utility trailer insurance
                                        • Auto insurance for your rental car
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                                        • What does car insurance cover?
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                                        • Am I insured if I borrow a car?
                                        • Tips for working with your insurance adjuster
                                        • Understanding electronics insurance
                                        • Condo insurance vs. townhome insurance
                                        • Liability car insurance: understanding liability limits
                                        • Medical payments to others vs. personal liability coverage
                                        • Personal property insurance
                                        • Solar panel insurance FAQ
                                        • Water backup coverage and how to fortify your home
                                        • Do I need an umbrella policy?
                                        • International car insurance
                                        • Scheduled personal property
                                        • Flood insurance coverage
                                        • What is umbrella insurance?
                                        • Event insurance
                                        • Condo insurance explained
                                        • Umbrella policy for renters
                                        • Contents insurance
                                        • Uninsured motorist coverage
                                        • What is renters insurance?
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                                        • Payment holidays
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                                  Car Insurance Coverage You Need to Help Protect You from an Uninsured Motorist or Underinsured Motorist

                                  Here's how your Uninsured/Underinsured Motorist coverage works 

                                  You're in an accident. And, you're shocked to discover the driver at fault doesn't have car insurance. Now what? 

                                  While nearly every state requires auto insurance coverage, it's no guarantee that every driver is covered. Some drivers don't have car insurance. Others don't have enough to cover the cost of medical expenses, lost wages or pain and suffering caused by an accident. 

                                  In fact, in the United States, about 1 in 8 drivers are without car insurance, according to the Insurance Research Council. So, what happens if you are involved in an accident with a driver who does not have car insurance coverage or enough of it? That's where Uninsured/Underinsured Motorist (UM/UIM) coverage comes in.

                                  Uninsured motorist coverage 

                                  If you are involved in an accident with an individual who owns or operates an automobile without liability insurance, Uninsured Motorist coverage may compensate you for damages for which you may be legally entitled to collect from that driver. These benefits may include payment for certain medical expenses, lost wages, and pain and suffering — subject to your policy's limits and conditions.

                                  Underinsured motorist coverage 

                                  Likewise, Underinsured Motorist coverage helps if you are involved in an accident with an individual whose coverage limits are less than the damages you sustain in a covered loss. Underinsured Motorist coverage may compensate you for injuries for which you may be legally entitled to collect from that driver, within the limits of your policy. 

                                  Your existing Uninsured Motorist coverage and Underinsured Motorist coverage selections and limits are listed on your declaration page. Contact us if you'd like help reviewing them or adjusting your coverage. Insurance coverage varies by region or state. Certain restrictions and limitations apply.

                                  --

                                  SOURCES

                                  1. Corum, David. "New Study Reveals a Declining Trend in the Percentage of Uninsured Motorists." Insurance-research.org. The Insurance Research Council, 5 Aug. 2014. Web. 3 Dec. 2014. http://www.insurance-research.org/sites/default/files/downloads/IRC%20UM_NewsRelease_1.pdf.
                                  A.M. Best, the leading independent rater of insurers in the country, has rated the companies within the CONNECT group “A” (Excellent), the third highest of their 15 ratings, for financial strength, stability and soundness of operating performance. Better Business Bereau Accredited Business

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                                  © 2025 American Family Connect Property and Casualty Insurance Company, Inc. All rights reserved.

                                  CONNECT, powered by American Family Insurance, is the brand name of American Family Connect Property and Casualty Insurance Company and American Family Connect Insurance Company, Madison, WI. Depending on the state, auto policies are underwritten by either company, or by an affiliate, Midvale Indemnity Company, Madison, WI. Property policies are underwritten and issued by affiliates based in Boston, MA, including: Homesite Indemnity Company, Homesite Insurance Company, Homesite Insurance Company of California, Homesite Insurance Company of Florida, Homesite Insurance Company of Georgia, Homesite Insurance Company of Illinois, Homesite Insurance Company of New York, Homesite Lloyd’s of Texas, and Homesite Insurance Company of the Midwest. The American Family Connect Insurance Agency, Inc., places policies with related and unrelated companies. Each insurer is solely responsible for the claims on its policies and pays the Agency for policies sold. In Texas, certain property coverages may be underwritten by Ranchers & Farmers Mutual Insurance Company. Prices, coverages and privacy policies vary among these insurers. Each company has sole financial responsibility for its products. Some products, discounts, benefits, and savings may vary, may not be available in all states, and are subject to limitations.

                                  We provide this information to help you understand insurance. Any coverage is subject to the terms of your policy. Please refer to your policy and declaration page for complete coverage details.