Underinsured Motorist Coverage in Pennsylvania – Why It Matters

Wondering if underinsured motorist coverage in PA is worth adding to your auto insurance policy? If you’re hit by a driver whose insurance isn’t enough to cover your injuries, underinsured motorist (UIM) coverage can protect you from thousands in out-of-pocket medical bills and lost wages.


At CheapCarInsurancePA.com, we help Pennsylvania drivers understand and add affordable UIM coverage—often for just a few dollars more per month.


What Is Underinsured Motorist Coverage in PA?

Underinsured motorist (UIM) coverage helps pay for your injuries when:

  • The at-fault driver has insurance
  • Their liability limits are too low to cover your damages
  • Your medical bills exceed what their policy pays

In Pennsylvania, UIM coverage focuses on bodily injury, not damage to your vehicle.


Is Underinsured Motorist Coverage Required in Pennsylvania?

❌ No, it’s not required by law
✅ Insurance companies must offer it

Pennsylvania law requires insurers to offer UIM coverage, but drivers can reject it in writing. Many drivers decline it without realizing the financial risk.


Underinsured vs Uninsured Motorist Coverage in PA

Coverage TypeWhat It CoversUninsured Motorist (UM)Injuries caused by drivers with no insuranceUnderinsured Motorist (UIM)Injuries when the at-fault driver’s insurance is too low

Most drivers choose both UM and UIM for complete protection.


What Does Underinsured Motorist Coverage Pay For?

UIM coverage in Pennsylvania can help cover:

  • Medical bills & hospital stays
  • Physical therapy & rehabilitation
  • Lost wages
  • Pain and suffering
  • Funeral expenses

It protects you and your passengers, regardless of fault.


How Much Underinsured Motorist Coverage Should You Carry in PA?

Most drivers choose UIM limits that match their bodily injury liability limits.

Common UIM limits include:

  • $15,000 / $30,000
  • $50,000 / $100,000
  • $100,000 / $300,000

Higher limits provide better protection—and often cost much less than expected.


How Much Does Underinsured Motorist Coverage Cost in PA?

UIM coverage is typically very affordable.

💡 Many Pennsylvania drivers pay just a few extra dollars per month to add underinsured motorist protection—making it one of the best value coverages available.


Should You Get Underinsured Motorist Coverage in Pennsylvania?

UIM coverage is strongly recommended if:

  • You want protection beyond state minimum insurance
  • You carry liability-only coverage
  • You commute in high-traffic areas
  • You don’t want to rely solely on health insurance
  • You want protection from drivers with minimum limits

With PA’s low minimum liability limits, UIM coverage fills a major gap.


Underinsured Motorist Coverage & Limited vs Full Tort in PA

Pennsylvania drivers choose limited tort or full tort when buying insurance.

  • Limited tort may restrict pain and suffering claims
  • Full tort preserves your right to sue for full damages

UIM coverage works with both options, but full tort offers broader legal protection.


Why Add UIM Coverage Through CheapCarInsurancePA.com?

✔ Clear, simple explanations
✔ Affordable UIM options
✔ Pennsylvania-specific expertise
✔ Works with all policy types
✔ Fast, free quotes

We help you protect yourself—not just meet minimum requirements.


Get a PA Auto Insurance Quote With Underinsured Motorist Coverage

Don’t let another driver’s low limits become your financial problem.

Compare underinsured motorist coverage options in Pennsylvania today and see how little it costs to protect yourself.

👉 Free auto insurance quotes
👉 UM & UIM explained clearly
👉 Same-day coverage available