Uninsured Motorist Coverage — Wisconsin
Uninsured and underinsured motorist coverage pays your medical bills and vehicle damage when the at-fault driver has no insurance or insufficient limits to cover your losses.
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What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) protect you when another driver causes an accident but can't pay for your damages. UM applies when the at-fault driver has no insurance at all. UIM applies when they carry insurance but their liability limits are too low to cover your medical bills, lost wages, or vehicle repair costs. Both coverages step in only after the at-fault driver's insurance is exhausted or confirmed absent — they don't replace your own collision or medical payments coverage.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
It's especially valuable if you carry high liability limits — an uninsured driver who hits you won't match your coverage level, leaving you underprotected without UM.
Compare your health insurance deductible and out-of-pocket maximum to the cost of UM coverage. If you'd struggle to replace your car without insurance paying for it, add UM property damage — it's cheaper than a loan for a replacement vehicle.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Your UM bodily injury limit — matching your liability limit costs more but closes the coverage gap if an uninsured driver causes serious injury.
- Your county's uninsured driver rate — Milwaukee and Racine counties have higher uninsured rates, which can increase UM premiums by 10 to 15 percent.
- Stacking versus non-stacking — stacked UM coverage multiplies your limit by the number of vehicles on your policy, increasing cost but expanding protection.
