Uninsured/Underinsured Motorist Coverage in Greenfield, IN

Accidents happen, and while most drivers have insurance, there are some who are either uninsured or have insufficient coverage to fully protect you in the event of an accident. Uninsured/Underinsured Motorist (UM/UIM) coverage helps protect you and your passengers if you're involved in an accident with a driver who either has no insurance or doesn't have enough to cover the damages. At Cox Insurance Agency, we offer UM/UIM coverage options to keep you protected on the road, ensuring you’re not left paying out of pocket when the at-fault driver is inadequately insured.

What is Uninsured/Underinsured Motorist Coverage?

Uninsured Motorist (UM) Coverage protects you if you're in an accident caused by a driver who does not have any auto insurance.


Underinsured Motorist (UIM) Coverage steps in if you're involved in an accident where the other driver has insurance, but not enough to cover your damages or medical bills. In both cases, UM/UIM coverage helps cover your medical expenses, car repairs, and lost wages, so you don’t have to bear the financial burden alone.

Why Do You Need Uninsured/Underinsured Motorist Coverage?

Even though the law requires most drivers to carry auto insurance, there are still many who drive without it or carry minimal coverage. If you're involved in an accident with an uninsured or underinsured driver, you could be left covering your expenses. Here’s why UM/UIM coverage is essential:

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Protection from Uninsured Drivers

If you're involved in an accident with someone who doesn’t have insurance, UM coverage will help cover your medical bills and damages.

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Coverage for Underinsured Drivers

If the other driver’s insurance isn’t enough to cover your damages, UIM coverage will fill the gap.

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Medical & Repair Coverage

UM/UIM coverage ensures that you’re not stuck paying for costly medical treatments or car repairs after an accident caused by someone else’s negligence.

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Peace of Mind

Knowing that you have protection in case of an accident with an uninsured or underinsured driver helps you feel more secure on the road.

How Much Does Uninsured/Underinsured Motorist Coverage Cost?

The cost of UM/UIM coverage varies depending on several factors, including your state’s minimum coverage requirements, your driving history, and your vehicle’s value. Adding UM/UIM coverage to your auto insurance policy is typically affordable, and it can provide invaluable protection. Our team at Cox Insurance Agency can help you assess your needs and find the best coverage options at an affordable price.

How to File a UM/UIM Insurance Claim

If you’re involved in an accident with an uninsured or underinsured driver, follow these steps:


  1. Contact Us Immediately: Report the accident to Cox Insurance Agency as soon as possible.
  2. Gather Information: Provide details about the accident, including the police report, photos, and any witness statements. If the other driver is uninsured, make sure to document that.
  3. Claims Assessment: Your insurance provider will assess the damages and medical costs. If the other driver has minimal insurance, your UM/UIM coverage will fill in the gap.
  4. Medical and Repair Coverage: Once the claim is approved, your insurance will help cover your medical expenses and car repairs based on the terms of your policy.

Is Uninsured/Underinsured Motorist Coverage Required?

Uninsured/Underinsured Motorist coverage is not mandatory in Indiana, but it’s highly recommended. Many states have UM/UIM coverage requirements, but even if it’s not required, this coverage offers an additional layer of protection in case you’re involved in an accident with an uninsured or underinsured driver.

How to Get Uninsured/Underinsured Motorist Coverage

Getting UM/UIM coverage through Cox Insurance Agency is simple. We’ll assess your needs, provide a quote, and help you add UM/UIM coverage to your auto insurance policy. Whether you're looking for basic coverage or additional protection, we’ll ensure you’re fully covered for the unexpected.

FAQ About Uninsured/Underinsured Motorist Coverage

  • What is the difference between uninsured and underinsured motorist coverage?

    Uninsured motorist (UM) coverage protects you if the at-fault driver has no insurance. Underinsured motorist (UIM) coverage applies when the other driver’s insurance doesn’t cover all of your medical expenses or vehicle repairs.

  • Does uninsured motorist coverage cover my injuries?

    Yes, UM coverage helps cover your medical expenses if you're injured in an accident caused by an uninsured driver.

  • If I’m in an accident with an underinsured driver, will my policy cover everything?

    UIM coverage will help pay the difference between the other driver’s insurance limits and the total cost of your medical expenses and vehicle repairs, up to your policy limits.

  • How much uninsured/underinsured motorist coverage do I need?

    The amount of coverage you need depends on your state’s laws and your own financial situation. Our team can help you assess your needs and recommend the right coverage for your circumstances.

  • Is uninsured/underinsured motorist coverage expensive?

    Typically, UM/UIM coverage is affordable and can be added to your policy without significantly increasing your premium. Contact us for a personalized quote to see how affordable it can be.

Get the Protection You Need with Uninsured/Underinsured Motorist Coverage

Don’t leave your safety to chance. Contact Cox Insurance Agency today for a free, no-obligation quote on uninsured/underinsured motorist coverage. Let us help you find the right protection so you can drive with confidence, knowing you're covered in case of an accident with an uninsured or underinsured driver.