What You Should Know
- Uninsured/underinsured motorist coverage protects you if someone without insurance causes an accident
- You can choose coverage just for uninsured drivers or add additional coverage for underinsured people
- State Farm’s claims process for this coverage is similar to other companies
Uninsured/underinsured motorist coverage with State Farm is similar to car insurance with many other companies. Learning more about how your car insurance coverage works can help you get the compensation you need after an accident.
Without uninsured or underinsured motorist coverage, you could have to pay for repairs to your vehicle, even if someone else caused an accident.
How does the auto insurance claims process differ for uninsured/underinsured motorist coverage with State Farm? Here’s some additional information about how the auto insurance claims process works for uninsured/underinsured motorist coverage with State Farm and how to file an auto insurance claim.
Auto Insurance Claims for Uninsured/Underinsured Motorist Coverage With State Farm
If you’ve been in an accident with an uninsured or underinsured driver, you could have to pay high costs without uninsured/underinsured motorist coverage. The best policy for you depends on local regulations, the car you drive, and other factors.
You can contact State Farm and make a claim for uninsured or underinsured motorist coverage by calling the number on your insurance card. You can also make a claim online or using the State Farm app on your smartphone. Learn more by visiting our State Farm auto insurance review.
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How Uninsured/Underinsured Motorist Coverage Works with State Farm
Uninsured/underinsured motorist coverage pays your expenses if another driver causes an accident and doesn’t have the funds to compensate you.
For example, if you get hit at a stoplight by the car behind you and the other driver doesn’t have insurance, State Farm can pay for your repairs minus your deductible. Here are some of the things you should do right after an accident:
- Pull over in a safe place and activate your hazard lights.
- Call the police and report the accident.
- Exchange insurance information with the other person if possible.
- Take photos of the other person’s license plate, the vehicles, and surroundings.
If you need to have your vehicle repaired, you have an injury, or you miss work and lose income because of an accident, keep thorough records of all bills and receipts and any change in your paycheck. Then, when you make your claim, provide State Farm with all these records.
You could still qualify for underinsured motorist coverage if the other person has insurance. The other person’s coverage can pay up to their policy limit, and your car insurance could cover any additional expenses.
Uninsured/underinsured motorist coverage averages around $4 to $6 per month. Some states require this coverage with all collision and comprehensive policies. Uninsured/underinsured motorist coverage is optional in other states.
If State Farm doesn’t offer you enough money to cover your expenses, you can consider suing the other driver. However, State Farm won’t make any payments until the lawsuit is over, and it will only pay what the other driver didn’t cover.
The company may also require you to get approval before accepting a settlement. If you settle without written approval from State Farm, the company may not offer additional compensation for your accident.
Understand State Farm’s Claims Process for Uninsured/Underinsured Motorist Coverage
State Farm’s claims process for uninsured/underinsured motorist coverage is similar to many other car insurance companies. Understanding the claims process can help you get the compensation you need after an accident.
It’s also a good idea to learn how to compare auto insurance quotes to make sure you have the coverage you require.
Frequently Asked Questions
How are no-fault and tort states different?
In a no-fault state, your insurance company pays for your damages even when the other driver is at fault. What happens if you hit an uninsured driver? The answer depends on the state and the assets of the other driver.
In a tort state, the person who caused the accident is responsible for damages, and uninsured/underinsured motorist coverage can help you get compensation after an accident.
Does uninsured/underinsured motorist coverage pay for medical expenses?
In tort states, uninsured/underinsured motorist coverage pays for your medical expenses up to the policy limit. After that, it covers any expenses your health insurance won’t cover.
What discounts does State Farm offer for uninsured/underinsured motorist coverage?
Finding affordable full coverage auto insurance with uninsured/underinsured motorist coverage can be difficult. Fortunately, State Farm offers discounts for:
- Antilock brakes
- A security system
- Customer loyalty
- Good students
- Married people
- Drivers with good credit
- Paperless billing
- Multiple policies
You can speak to your insurance agent to learn more about the discounts you might qualify for with State Farm.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance…
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