---
title: Uninsured Motorist Coverage for Truckers
description: Understand uninsured motorist (UM) coverage. Learn how it safeguards you from financial burdens and lowers trucking insurance cost.
image: https://www.aigltd.com/hubfs/2505-uninsured-motorist-coverage-for-truckers-1000.jpg
---

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# Insurance Savings and News You Can Use Join the Conversation!

## Uninsured Motorist Coverage for Truckers

Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Sat, May 24, 2025

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![Call for uninsured motorist insurance for trucking companies in Philadelphia, Pittsburgh, Lancaster, Erie, Allentown, Reading, and throughout PA.](https://www.aigltd.com/hs-fs/hubfs/2505-uninsured-motorist-coverage-for-truckers-1000.jpg?width=1000&height=580&name=2505-uninsured-motorist-coverage-for-truckers-1000.jpg)Whether you’re heading to work, driving your kids around, or tackling daily errands, there’s a strong possibility you’re surrounded by drivers without [car insurance](https://www.aigltd.com/pa-truck-insurance).  According to the [Insurance Information Institute](https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists), approximately one in seven drivers is uninsured. This is why uninsured motorist coverage is essential—it can cover medical expenses, lost wages, and other costs for you and your passengers if an uninsured driver causes an accident.

## Coverage for Accidents with Uninsured Drivers

Uninsured motorist (UM) coverage provides financial protection if you're involved in an accident with a driver who does not have auto insurance. This coverage pays the costs that the at-fault uninsured driver typically pays through their liability insurance. Here's a detailed breakdown:

- Uninsured motorist bodily injury (UMBI) covers medical expenses, lost wages, and pain and suffering for you and your passengers.
- Uninsured motorist property damage (UMPD) pays for vehicle repairs if an uninsured driver damages your vehicle.

### When Does UM Coverage Apply?

- If the at-fault driver has no insurance.
- In some cases, for hit-and-run accidents (varies by state).
- If the at-fault driver's insurance is insufficient to cover damages (this may fall under underinsured motorist coverage).

Without UM coverage, you could face significant out-of-pocket expenses for medical bills or vehicle repairs if hit by an uninsured driver. It can be a financial safety net, especially in states with high numbers of uninsured drivers.

### What is Underinsured Motorist Protection?

Underinsured motorist (UIM) protection helps cover expenses when the at-fault driver in an accident has liability insurance, but their coverage limits are insufficient to fully pay for the damages or injuries they caused. Here's an overview:

If you're in an accident caused by a driver with inadequate liability insurance, UIM coverage pays the difference between the at-fault driver's policy limits and your total expenses. For example, if your medical bills are $100,000, but the at-fault driver's insurance only covers $50,000, your UIM coverage can pay the remaining $50,000 (up to your policy limits). Insurers may bundle UIM with UM coverage, but it is distinct in that it applies when the at-fault driver has insufficient rather than no insurance at all.

### State Requirements for UM coverage

UM coverage is optional in Pennsylvania, but insurance companies must offer it to policyholders. Here are the key details:

If you choose to carry UM coverage, the minimum limits are:

If you decide not to purchase UM coverage, you must sign a waiver provided by your insurance company.

UM coverage protects you and your passengers if an uninsured driver causes an accident. It covers medical expenses and other damages like lost wages and pain and suffering. Although it's optional, drivers should seriously consider UM coverage because of the financial risks from uninsured drivers. Approximately [7% of drivers in Pennsylvania](https://www.ssf-lawfirm.com/motorcycle-accidents/uninsured-underinsured-motorists/) are uninsured.

## Contact Us for Your Commercial Truck Insurance Needs!

We are independent brokers here at American Insuring Group. Our agents shop the market for the best trucking insurance rates that match your needs! Call us today at (610) 775-3848 or contact us [online](https://www.aigltd.com/contact) for the best [commercial truck insurance](https://www.aigltd.com/pa-truck-insurance) rates and coverages!

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