Uninsured Motorist Coverage — Arizona
Uninsured Motorist Coverage pays your medical bills and vehicle damage when the at-fault driver has no insurance or flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage steps in when you're hit by a driver who carries no liability insurance or whose policy limits are too low to cover your damages. It pays for your medical expenses, lost wages, and in some states your vehicle repair costs when the at-fault driver cannot. Arizona law does not require this coverage, but carriers must offer it when you purchase a policy — you sign a written waiver if you decline it.
Who Needs Uninsured Motorist Coverage Insurance?
Retirees who drive a paid-off vehicle and dropped collision coverage to lower their bill should strongly consider uninsured motorist coverage as a partial replacement. If you're hit by an uninsured driver and lack both collision and uninsured motorist property damage, you pay for your own vehicle repair out of pocket.
Compare the annual cost of uninsured motorist coverage to one year of your out-of-pocket medical maximum under Medicare or your health plan. In Arizona, where roughly one in eight drivers is uninsured, that probability is material.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your selected coverage limit — higher limits increase the premium.
- Whether you stack uninsured motorist coverage across multiple vehicles on your policy.
- Your ZIP code — areas with higher uninsured driver rates cost more to insure.
- Whether you add uninsured motorist property damage in addition to bodily injury coverage.
- Your carrier — some insurers price this coverage more aggressively for retirees with clean records.
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