AUTO UNINSURED/UNDERINSURED MOTORISTS COVERAGE REQUIREMENTS

(July 2020)

INTRODUCTION

Uninsured motorists coverage compensates an insured for injuries and damages caused by drivers of uninsured automobiles who are legally liable for the insured’s injuries and are subject to the laws of each state or jurisdiction. Financial responsibility laws in the state or jurisdiction where the motor vehicle is registered control the minimum limits of insurance for uninsured motorist coverage. Higher limits are available and may be requested, with some states requiring that they match the coverage form or policy's bodily injury limits. This coverage is available for use with all business auto liability coverage forms and policies and a number of states make it mandatory.

While uninsured/underinsured motorists coverage must be offered in connection with auto liability insurance, some states allow the named insured to reject it, in some cases without any restrictions and only under certain circumstances in others. An insurer must be familiar with the laws that apply in the states where it conducts business.

INDIVIDUAL STATE REQUIREMENTS

This is a brief summary of the states that offer or require uninsured motorists coverage and the minimum limits required.

State: ALABAMA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: ALASKA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 50/100/25

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: ARIZONA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 15/30/10

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: ARKANSAS

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: CALIFORNIA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 15/30/5 ($3,500 for UMPD)

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: COLORADO

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/15

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: CONNECTICUT

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/20

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: DELAWARE

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/10

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: DISTRICT OF COLUMBIA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/10

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: FLORIDA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 10/20/10

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: GEORGIA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: HAWAII

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 20/40/10

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: IDAHO

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/15

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: ILLINOIS

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/20

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: INDIANA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: IOWA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 20/40/15

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: KANSAS

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: KENTUCKY

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: LOUISIANA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 15/30/25

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: MAINE

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 50/100/25

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: MARYLAND

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 30/60/15

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: MASSACHUSETTS

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 20/40/5

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: MICHIGAN

State requires that Uninsured Motorists Coverage be offered: No

State required Minimum Limits: 20/40/10

The Insured has the option to reject coverage: No Provision

Underinsured Motorists Coverage is available: No Provision

Note: Michigan is an unlimited No-fault state.

State: MINNESOTA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 30/60/10

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: MISSISSIPPI

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: MISSOURI

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Not addressed

State: MONTANA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/20

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: No

State: NEBRASKA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: NEVADA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/20

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: NEW HAMPSHIRE

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: NEW JERSEY

State requires that Uninsured Motorists Coverage be offered: No

State required Minimum Limits: 15/30/5

The Insured has the option to reject coverage: Not applicable

Underinsured Motorists Coverage is available: Yes

State: NEW MEXICO

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/10

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: NEW YORK

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/10

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: NORTH CAROLINA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 30/60/25

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: NORTH DAKOTA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: OHIO

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: OKLAHOMA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: OREGON

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/20

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: PENNSYLVANIA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 15/30/5

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: RHODE ISLAND

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: (Yes – but only when purchasing

State minimum liability limits)

Underinsured Motorists Coverage is available: Yes

State: SOUTH CAROLINA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: SOUTH DAKOTA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: TENNESSEE

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/15

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: TEXAS

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 30/60/25

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: UTAH

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/65/15

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: VERMONT

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/10

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: VIRGINIA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/20

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: WASHINGTON

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/10

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Yes

State: WEST VIRGINIA

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/25

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: WISCONSIN

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/10

The Insured has the option to reject coverage: No

Underinsured Motorists Coverage is available: Yes

State: WYOMING

State requires that Uninsured Motorists Coverage be offered: Yes

State required Minimum Limits: 25/50/20

The Insured has the option to reject coverage: Yes

Underinsured Motorists Coverage is available: Not addressed