Uninsured and underinsured motorist coverage in PA: did you sign it away?
If another driver hits you and has no insurance, or not enough, your own uninsured (UM) and underinsured (UIM) motorist coverage may pay for your injuries. In Pennsylvania, you may have turned it down when you bought your policy without realizing it.
What UM and UIM do
- Uninsured motorist (UM) can pay for your injuries when the at-fault driver has no insurance, or in some hit-and-run situations.
- Underinsured motorist (UIM) can pay when the at-fault driver's limits are too low to cover your injuries.
Offered, but optional
Under 75 Pa.C.S. § 1731, insurers must offer UM and UIM coverage, and a policyholder can reject it by signing specific rejection forms. If you signed one, your policy may not include this protection. Check your declarations page.
Stacking
Stacking can let you combine UM/UIM limits across vehicles in a household. Under 75 Pa.C.S. § 1738, you can waive stacking in writing. Ask whether your coverage is stacked or unstacked.
Frequently asked questions
How do I know if I rejected UM/UIM?
Your declarations page should show UM and UIM limits if you have them. Your insurer can also provide copies of any signed rejection or waiver forms.
Does UM/UIM cover damage to my car?
UM/UIM in Pennsylvania generally addresses bodily injury; damage to your own car is typically handled by collision coverage. Check your policy.
Sources
- 75 Pa.C.S. § 1731 (UM/UIM coverage)
- 75 Pa.C.S. § 1738 (stacking)
- PA Insurance Department
- Insurance Information Institute (III)
General information only, not advice about any specific policy. Your policy wording controls. Last reviewed November 2026. [Verify each figure and source link before launch.]