Does Liability Insurance Cover Uninsured Motorist?

Car accidents are unexpected and can cause a lot of damage, both physically and financially. That’s why most states require drivers to have liability insurance that covers damages caused to other people and their property in case of an accident.

However, what happens if the driver at fault doesn’t have insurance? This is where uninsured motorist coverage comes in handy. But does liability insurance cover uninsured motorists? In this blog post, we’ll explore everything you need to know about uninsured motorist coverage and whether liability insurance provides protection in such situations. So, let’s dive right in!

Uninsured motorist coverage

Uninsured motorist coverage is designed to protect drivers and passengers from accidents caused by uninsured or underinsured drivers. In most states, this type of insurance is mandatory, but the minimum requirements can vary. It covers damages that you or your passengers may suffer as a result of an accident with an uninsured driver.

In addition to covering medical expenses and lost wages, uninsured motorist coverage can also pay for property damage caused by the other driver. This includes repair costs for your car or any other personal property damaged in the accident.

One advantage of having uninsured motorist coverage is that it allows you to file a claim even if the at-fault driver cannot pay for damages out-of-pocket. It’s important to note that this type of insurance does not cover intentional acts and injuries sustained during illegal activities such as street racing.

Having uninsured motorist coverage can give you peace of mind knowing that you’re protected against potential financial loss due to an accident with an uninsured driver.

Does liability insurance cover uninsured motorist?

Liability insurance is a type of car insurance that covers the cost of damage or injury caused by you to another person or their property while driving your vehicle. Liability insurance does not cover damages to your own vehicle, but rather compensates others for any losses they suffered due to an accident that you caused.

One question often asked is whether liability insurance also covers uninsured motorists. Unfortunately, the answer is no. Liability coverage only applies to third-party injuries and damages; it does not provide protection for you as the driver.

If an uninsured motorist causes an accident with you, they will be responsible for covering the costs of any damage or injuries they cause. However, if this individual cannot afford these expenses out-of-pocket, then there may be little recourse available to pay for recovery fees unless added coverage was purchased through uninsured motorist coverage.

For peace of mind when on the road, consider purchasing additional coverage such as Uninsured Motorist Coverage (UMC), which provides financial support in case of accidents where other drivers don’t carry sufficient liability limits and are unable to pay resulting claims.

How to get uninsured motorist coverage

Uninsured motorist coverage is an important policy that can help you in case of an accident with someone who doesn’t have insurance. Many people believe that their standard liability insurance covers uninsured motorists, but this is not always the case.

To get uninsured motorist coverage, you need to speak with your insurance provider and purchase it as a separate policy or add-on to your existing one. This type of coverage will ensure that if you are involved in an accident with an uninsured driver, your costs will be covered up to the limit set by your policy.

It’s important to note that different states have different requirements for uninsured motorist coverage. Some states require drivers to carry this type of insurance while others do not mandate it. Be sure to check with your state’s laws and regulations before purchasing any additional policies.

When shopping for a policy, make sure you compare rates from multiple providers and read through all the terms and conditions carefully. You want to make sure you’re getting the best deal possible without sacrificing adequate coverage.

Obtaining uninsured motorist coverage may vary depending on where you live but talking directly with your insurance company about adding it onto or buying a new policy can bring peace of mind when driving on busy roads or highways.


To sum it up, liability insurance does not cover uninsured motorist accidents. If you want to protect yourself from the risk of being hit by an uninsured or underinsured driver, it’s important to consider purchasing uninsured motorist coverage as part of your auto insurance policy. This type of coverage can provide you with peace of mind knowing that you’re protected in case something unexpected happens on the road.

Although adding this coverage may increase your monthly premium slightly, the cost is worth it when you weigh the potential financial burden that could come with being involved in an accident with an uninsured driver. Take some time to research different policies and speak with a reputable insurance agent who can help guide you through your options and find a plan that best suits your needs.

Remember, accidents happen unexpectedly all the time, so taking proactive steps now to protect yourself financially in case of an unfortunate event is always a smart decision. Stay safe out there on the roads!