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Excess Uninsured / Underinsured Motorist Insurance - Let us find your best coverage - protect your family from drivers with little or no insurance

Roughly one in seven drivers has no insurance, and many carry only state minimum limits. Excess uninsured / underinsured motorist coverage pays you and your family when the at-fault driver can't. Send us a few details for a no-cost, no-obligation quote. Prefer to talk? Call 800-616-3490.

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What excess UM / UIM coverage includes

Excess UM / UIM sits above the uninsured motorist coverage on your auto policy and pays for your own injuries when the other driver can't.

Medical bills - Hospital, surgery and rehabilitation costs after a serious accident.
Lost income - Wages you or family members lose while recovering.
Pain and suffering - Compensation you could have recovered from an insured driver.
Hit and run - Accidents where the at-fault driver is never identified, where allowed.
Pedestrians and cyclists - Family members hit while walking or biking.
Passengers - Family members riding in someone else's vehicle.

How to get it: usually added to a personal umbrella. Carriers typically require UM / UIM on your auto policy at $250,000/$500,000 first.

Not covered: property damage to your vehicle (in most states) and injuries while using a vehicle for business or rideshare.

View the Excess Uninsured / Underinsured Motorist brochureCoverage overview, limitations and disclosures · PDF, 74 KB

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Excess Uninsured / Underinsured Motorist Supplemental Application (PDF)Want to save and finish later? Complete it online

Download, complete and email to quote@societiesinsurance.com, or attach it with your quote request.

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