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Uninsured Motorist Coverage for Seniors 65+

Uninsured Motorist Coverage pays for your injuries and vehicle damage when you're hit by a driver with no insurance or who flees the scene.

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What Is Uninsured Motorist Coverage Insurance?

Uninsured Motorist Coverage has two parts: Bodily Injury (UMBI) pays your medical bills, lost income, and pain/suffering when an uninsured or hit-and-run driver injures you, up to your policy limits. Uninsured Motorist Property Damage (UMPD) covers vehicle repairs when the at-fault driver has no insurance. For seniors 65+, UMBI is particularly important because Medicare doesn't cover all accident-related costs — it won't pay for co-pays, deductibles, or non-medical expenses like transportation to appointments, and age-related injuries (hip fractures, internal trauma) often require longer, more expensive treatment than the same injuries in younger drivers.

How Much Does Uninsured Motorist Coverage Insurance Cost?

  • Whether you bundle UMBI and UMPD or purchase separately — some states don't offer UMPD at all
  • Your ZIP code — urban areas with higher hit-and-run rates and uninsured percentages cost more

Related Coverage Types

An older man and woman sit together on a brick porch step looking at a tablet, with a potted plant, white column, and a parked car in the background.Medical Payments Coverage→A woman with long white hair in a light blue shirt sits in a car's driver seat and fastens her seat belt, with green foliage visible through the windows.Comprehensive Coverage→An older man with glasses and a blue checked shirt sits at a wooden kitchen table reading a sheet of paper, with more documents and a car key fob on the table.Liability Insurance→An older woman in a green shirt and an older man in a checked shirt sit together on concrete front steps looking at a tablet, with a red door, potted plant, flowering shrubs and a parked car behind them.Full Coverage→
An older man with white hair, wearing a beige jacket, light blue shirt and jeans, leans against a black sedan with hands in pockets, looking out over a coastline with distant hills at sunset.

See Where Your Rate Stands Today

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