# What is uninsured motorist coverage?

> Uninsured motorist coverage can pay covered losses when an at-fault driver has no liability insurance.

Glossary date: February 9, 2026.

## How it works

Depending on the state and policy, it may cover injuries, property damage, or both. Hit-and-run requirements also vary.

## Example

An uninsured driver causes a crash that injures you. Your uninsured motorist bodily injury coverage may respond up to its limit.

## Why it matters

An at-fault driver may lack insurance or may be impossible to identify after a hit-and-run.

## What to check on your policy

Confirm whether the policy includes bodily injury, property damage, or both, plus any deductible and hit-and-run conditions.

Coverage, definitions, limits, and legal requirements vary by policy and state. Your declarations page and policy forms control your coverage.

## Related terms

- [Underinsured motorist coverage](https://locations.goautoinsurance.com/car-insurance-glossary/underinsured-motorist-coverage.md)
- [Bodily injury liability](https://locations.goautoinsurance.com/car-insurance-glossary/bodily-injury-liability.md)
- [Stacking insurance coverage](https://locations.goautoinsurance.com/car-insurance-glossary/stacking-insurance-coverage.md)

- [Car insurance guide](https://locations.goautoinsurance.com/car-insurance-guide.md)
- [Complete glossary](https://locations.goautoinsurance.com/car-insurance-glossary.md)