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Uninsured Motorist Coverage — Arizona

Uninsured Motorist Coverage pays your medical bills and vehicle damage when an at-fault driver has no insurance or flees the scene.

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What Is Uninsured Motorist Coverage Insurance?

Uninsured Motorist Coverage pays for your injuries and vehicle damage when you're hit by a driver with no insurance, insufficient coverage, or who leaves the scene. You can reject it, but only by signing a specific waiver form.

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Who Needs Uninsured Motorist Coverage Insurance?

Suspended-license drivers reinstating after a DUI, points suspension, or lapsed-insurance suspension should carry UM because you are statistically more likely to encounter uninsured drivers during the reinstatement period when you're driving on a restricted or hardship license. Non-owner SR-22 policyholders also benefit from UM because it covers you as a passenger or pedestrian struck by an uninsured driver.

Related Coverage Types

A hand holds a key and black fob over a wooden table with a printed document and pen in a blurred kitchen interior.Suspended License SR-22→Driver's-eye view from inside a vehicle at night, with two hands gripping the steering wheel, an illuminated instrument cluster, and a dark road with blurred lights ahead.Liability Insurance→A bearded man in a dark gray long-sleeve shirt sits at a wooden table working on a laptop, with printed plans, a folder, and an insulated tumbler nearby and a window showing a sunset behind him.Hardship License Insurance→A woman with long brown hair sits in a vehicle's driver seat behind the steering wheel, holding a phone to her ear and looking to the side, seen through the windshield.High-Risk Auto Insurance→
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Line Up Arizona Coverage Before Reinstatement

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