Uninsured Motorist Coverage (UM)

Uninsured Motorist (UM) coverage protects you if you are hit by a driver who does not have auto liability insurance.

UM can help pay for:

• Medical expenses
• Lost wages
• Pain and suffering (depending on state law)

UM is usually paired with underinsured motorist (UIM) coverage.

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UM in the ru3.us Datasets

In the UM/UIM Dataset (Version 2025.01), each state has:

• um_uim_required – "yes" where the initial reference explicitly lists required UM or UM/UIM coverage
• um_uim_limits_text – a text description of required limits (e.g., “$25,000 per person; $50,000 per accident”)

Dataset access:

• Documentation → /datasets/state-um-uim-minimum-coverage
• CSV → /datasets/state-um-uim-minimum-coverage.csv
• JSON → /datasets/state-um-uim-minimum-coverage.json

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States Requiring UM/UM/UIM

The dataset identifies several states that clearly require UM or UM/UIM, including:

• Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia, Wisconsin, and the District of Columbia.

See the dedicated page:

• /which-states-require-uninsured-motorist-coverage

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Related Terms

• Underinsured Motorist Coverage (UIM)
• Bodily Injury Liability