Uninsured Motorist Coverage — Hawaii
Uninsured and underinsured motorist coverage pays your medical bills and vehicle damage when you're hit by a driver who has no insurance or not enough to cover your losses.
Free to compare
What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage (UM) pays for your injuries and property damage when an at-fault driver has no insurance. Underinsured motorist coverage (UIM) pays the difference when the at-fault driver's liability limits are too low to cover your full losses. Both coverages apply only when the other driver is legally responsible for the crash — they don't cover your own mistakes or single-vehicle accidents.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
You should carry UM/UIM coverage if you don't have health insurance that covers auto accident injuries, if you drive in areas with high uninsured driver rates, or if you financed your vehicle and can't afford to replace it out of pocket after a total-loss crash caused by an uninsured driver.
Match your UM/UIM limits to your liability limits if you want the same protection from other drivers that you provide to them.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Your UM/UIM coverage limits — matching your liability limits costs more than purchasing lower UM/UIM limits, but protects you against drivers carrying the same coverage you carry.
- Your ZIP code's uninsured driver rate — areas with higher uninsured motorist rates see slightly higher UM/UIM premiums because claims are more frequent.
- Your claims history — a prior UM/UIM claim may increase your premium at renewal, though the increase is typically smaller than an at-fault accident surcharge.
