Uninsured/Underinsured Motorist Coverage in Pennsylvania

In Pennsylvania, drivers must carry minimum auto liability coverage of 15/30/5. Pennsylvania is a choice no-fault state. Winter weather and flooding are key home insurance considerations. The average auto insurance rate in Pennsylvania runs about $1,622 per year, and where uninsured/underinsured motorist coverage fits into that depends on your coverage level and profile.

Uninsured/underinsured motorist (UM/UIM) coverage pays for your medical bills, lost wages, and sometimes vehicle damage when you're in an accident caused by a driver who has no insurance or whose coverage isn't sufficient to pay your expenses. About 1 in 8 drivers on U.S. roads is uninsured, making this coverage more important than many people realize.

UM/UIM is split into two components: uninsured motorist bodily injury (UMBI) protects you and your passengers, while uninsured motorist property damage (UMPD) covers your vehicle. Some states require one or both, while others make it optional but strongly recommended.

This coverage also typically applies to hit-and-run accidents where the at-fault driver flees the scene. Without UM/UIM, you'd be left paying your own medical bills and repair costs out of pocket — even though the accident wasn't your fault.