Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Do I still need uninsured motorist coverage if I have Medicare coverage?

Through Medicare and a supplement, I have complete health coverage. Is there any purpose of having uninsured motorist coverage?

Also, if I have collision insurance and am struck by an uninsured driver, is it correct that I am responsible only for my deductible? Is there anything I am missing?

Dec 4, 2019 Arcadia, CA

Answer
Author profile picture

Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

You may still want to carry uninsured motorist coverage to avoid complications with medical bills if you are hit by an uninsured driver. It's good protection to have in place if your bills are high. 

On the issue of property damage, you are correct. Without uninsured motorist property damage coverage (UMPD), you would have to pay your collision deductible to have the vehicle fixed. Most companies do offer a collision waiver, however, which can be added to your policy for a reasonable addition to your premium.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Can I get AAA roadside assistance without having insurance with them?

You should be able to purchase roadside assistance with AAA without switching your car insurance coverage from Allstate. AAA's roadside coverage is actually offered separate from their auto insurance policies for this exact reason. Keep in mind that most roadside assistance plans offered in co…
Feb 14, 2017 Yuba City, CA

My car was stolen and taken to Mexico. Can I just get a payout instead of getting the car back?

Hello, Sorry to hear about your situation. Unfortunately, I don't know if I can give much advice, as this is a claims-related question. Claims have their own rules that must be followed. If you had comprehensive coverage on the vehicle, theft would be covered. An adjuster would have to interpr…
Jul 25, 2019 Brawley, CA

If I hit someone and they don't have car insurance is it still my fault?

If you're determined at fault in the accident, you are responsible for the other driver's damages regardless of whether or not they're insured. You might be thinking of no-fault insurance, which Pennsylvania has voluntary participation in. This only refers to bodily injury damages an…
Jun 16, 2019 Lancaster, PA

What is the difference between liability vs uninsured motorist vs comprehensive coverage?

Liability is required by your state to legally drive on the road. Uninsured motorist coverage covers you and your passengers' medical bills if you are hit by another driver that does not have insurance. There is no such thing as "full coverage" but people normally use that term to de…
Dec 4, 2016 Santa Ana, CA