Commercial Trucking Insurance
Uninsured and Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage addresses certain bodily-injury or property-damage exposures when another driver is at fault and has no insurance or not enough. Availability and forms are state-specific.
What it may cover
What it may address
- Certain bodily-injury exposures from an uninsured at-fault driver
- Certain exposures when the at-fault driver is underinsured
- Coverage where permitted and elected
- Benefits defined by the applicable state form
- Protection for eligible drivers and occupants
State-specific rules apply
Whether this coverage is available, required, or offered on a rejection basis depends on the state and its specific forms.
- At-fault drivers with no insurance
- At-fault drivers with insufficient limits
- Hit-and-run situations where covered
- Injury exposure to drivers and occupants
- State-mandated offers and rejections
Who may consider it
Who may consider it
- Motor carriers operating in applicable states
- Fleets protecting drivers and occupants
- Operations reviewing state-mandated offers
- Owner-operators evaluating road-risk exposure
Coverage in practice
Real-world situations
An uninsured driver causes a crash
This coverage may address certain covered exposures when the at-fault driver has no insurance, subject to state rules and the policy.
The at-fault driver is underinsured
When another driver’s limits are insufficient, underinsured motorist coverage may help, where permitted and elected.
A state requires an offer
Many states require insurers to offer this coverage; you may accept or reject it on the required form.
Important to know
Important to know
A licensed professional can explain how this coverage applies in your states of operation.
- Availability, requirements, and forms are state-specific.
- Coverage may be offered on an accept-or-reject basis depending on the state.
- Terms, limits, and exclusions apply and vary by jurisdiction.
Related coverages
Coverages often carried together
Prepare for a quote
Information commonly requested
- States of operation
- Number of power units and drivers
- Requested limits by state
- Prior coverage and elections
- Loss history
- Driver information
- Operating radius
- Requested effective date
FAQ
Frequently asked questions
Is this coverage required?
It depends on the state. Some states require it or require insurers to offer it; you may accept or reject on the required form.
What is the difference between uninsured and underinsured?
Uninsured applies when the at-fault driver has no insurance; underinsured applies when their limits are insufficient for the loss.
Does it cover my own vehicle damage?
Property-damage elements are state-specific. Damage to your own vehicle is often addressed by physical damage coverage.
Can I reject it?
In many states you can reject it on a required form. A licensed professional can explain the implications.
How do my states of operation affect it?
Because rules and forms differ by state, your operating territory affects how this coverage is offered and applied.
Ready to Review This Coverage?
Tell us about your operation and a licensed insurance professional can help you explore available options.