{"id":3173,"date":"2026-07-10T22:42:07","date_gmt":"2026-07-10T22:42:07","guid":{"rendered":"https:\/\/crosscountrymovingteams.com\/?p=3173"},"modified":"2026-07-10T22:42:07","modified_gmt":"2026-07-10T22:42:07","slug":"what-is-uninsured-motorist-coverage-and-do-you-need-it","status":"publish","type":"post","link":"https:\/\/crosscountrymovingteams.com\/?p=3173","title":{"rendered":"What is uninsured motorist coverage and do you need it?"},"content":{"rendered":"<div>\n<div><div>\n<h3>Pro tip<\/h3>\n<p>Uninsured motorist coverage helps pay for injuries\u2014and, in some states, vehicle damage\u2014when the at-fault driver has no liability insurance.<\/p><p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=3171\">Meet \u2018Freedom Fuel Network\u2019 stations, a new chain with cheaper gas and mysterious origins<\/a><\/p>\n<\/div><\/div>\n<p>Even if your state doesn\u2019t require uninsured motorist coverage, smart planners should consider it. While nearly every state requires drivers to carry liability insurance, some motorists drive without coverage or with limits that aren\u2019t high enough to pay for the damage they may cause. Depending on your state\u2019s laws and the coverage you purchase, uninsured motorist coverage can help protect you from paying those costs out of pocket after a covered accident.<\/p>\n<div><div>\n<h3>Key Takeaways<\/h3>\n<div><div>\n<ul>\n<li>Uninsured motorist coverage protects you if you\u2019re in an accident caused by an at-fault driver who doesn\u2019t have liability insurance.<\/li>\n<li>Depending on your policy and state, uninsured motorist coverage may pay for medical expenses, lost wages, pain and suffering, and, in some cases, damage to your vehicle.<\/li>\n<li>Some states require drivers to carry uninsured motorist coverage, but it can provide valuable financial protection even where it\u2019s optional.<\/li>\n<li>Uninsured motorist coverage doesn\u2019t pay for your own injuries or vehicle damage if you\u2019re at fault for the accident, and it generally doesn\u2019t apply when the at-fault driver has insurance that\u2019s simply insufficient to cover your losses\u2014that\u2019s typically covered by underinsured motorist coverage (UIM).<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div><\/div>\n<h2>What is uninsured motorist coverage?<\/h2>\n<p>Uninsured motorist coverage is a type of car insurance that helps pay for your medical expenses and, in some states, damage to your vehicle if you\u2019re in an accident caused by a driver who doesn\u2019t have liability insurance. Normally, the at-fault driver\u2019s liability coverage would pay for your injuries and property damage. But if that driver is uninsured\u2014or in some cases leaves the scene in a hit-and-run accident\u2014uninsured motorist coverage can help protect you from paying those costs out of pocket.<\/p>\n<h3>Is uninsured motorist coverage required?<\/h3>\n<p>Uninsured motorist coverage is required auto insurance coverage in only select states. Of those states, many require a minimum amount of uninsured motorist bodily injury (UMBI) coverage, while others also require a minimum amount of uninsured motorist property damage (UMPD) coverage.<\/p>\n<p>Some states may have caveats on whether uninsured motorist coverage is required for all drivers. For example, while car insurance isn\u2019t required in New Hampshire, those who choose to purchase coverage must also purchase uninsured motorist coverage. Additionally, drivers in Rhode Island are only required to purchase uninsured motorist coverage if they carry bodily injury liability insurance above the minimum amount mandated by state law.<\/p>\n<h2>How does uninsured motorist coverage work?<\/h2>\n<p>After you\u2019re in an accident caused by an uninsured driver, you can file a claim with your own insurance company for covered medical expenses and, where available, vehicle or property damage, up to your policy limits. Uninsured motorist coverage may also apply after certain hit-and-run accidents, although coverage varies by state and insurer. Depending on your policy and the type of claim, you might not even have to pay a deductible.<\/p>\n<p>Again, not every state requires insurers to offer uninsured motorist coverage\u2014and coverage rules vary. But in states where it\u2019s available, your insurer may include it automatically or offer it as optional coverage that you can add to your policy.<\/p>\n<h2>What does uninsured motorist coverage pay for?<\/h2>\n<p>Uninsured motorist coverage typically includes two separate coverages that protect you after an accident with an uninsured driver:<\/p>\n<ul>\n<li>Uninsured motorist bodily injury (UMBI)<\/li>\n<li>Uninsured motorist property damage (UMPD)<\/li>\n<\/ul>\n<h3>Uninsured motorist bodily injury (UMBI)<\/h3>\n<p>Uninsured motorist bodily injury coverage helps pay for expenses if you or your passengers are injured in an accident caused by an uninsured driver. Covered expenses may include:<\/p>\n<ul>\n<li>Medical costs<\/li>\n<li>Lost wages<\/li>\n<li>Pain and suffering<\/li>\n<li>Funeral expenses<\/li>\n<\/ul>\n<p>Additionally, UMBI may also cover you if you\u2019re injured as a pedestrian or bicyclist by an uninsured driver, depending on your policy and state.<\/p>\n<p>Uninsured motorist bodily injury claims will only pay for expenses up to your coverage limits. However, UMBI typically doesn\u2019t require paying a deductible when making a claim.<\/p>\n<h3>Uninsured motorist property damage (UMPD)<\/h3>\n<p>Uninsured motorist property damage coverage helps pay to repair or replace your vehicle\u2014and, in some cases, other damaged property\u2014after an accident caused by an uninsured driver. Covered property can include:<\/p>\n<ul>\n<li>Your vehicle<\/li>\n<li>Personal property damaged in the accident\u00a0<\/li>\n<li>Covered structures on your property, such as a fence or mailbox<\/li>\n<\/ul>\n<p>For vehicle damage, UMPD will cover repairs to your car up to its actual cash value. And if your vehicle is damaged by an uninsured driver, UMPD may also cover the cost of a rental car while your car is being repaired. However, unlike UMBI, you may need to first pay a deductible when making an uninsured motorist property damage claim.<\/p>\n<h2>What is underinsured motorist coverage?<\/h2>\n<p>Underinsured motorist coverage (UIM) helps pay for your injuries and damage to your vehicle if you\u2019re in an accident caused by a driver whose liability insurance can\u2019t cover your losses.\u00a0 As with uninsured motorist coverage, it can help cover medical expenses and property damage.\u00a0<\/p>\n<p>Depending on your state, underinsured motorist coverage may work differently:<\/p>\n<ul>\n<li> Covers expenses up to the difference between the driver\u2019s liability coverage limits and your UIM coverage limits.<\/li>\n<li> Covers expenses up to the difference between the driver\u2019s liability coverage limits and the damages done in the accident, up to your UIM coverage limits.<\/li>\n<\/ul>\n<h2>Underinsured vs. uninsured motorist coverage<\/h2>\n<p>Although uninsured and underinsured motorist coverage are often sold together, they protect you in different situations. Here\u2019s a side-by-side comparison.<\/p><p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=3169\">The 7 Best Treadmills for Home (2026): Fitness Expert Tested<\/a><\/p>\n<div><div>\n<h3>Pro tip<\/h3>\n<p>Many insurance companies offer uninsured and underinsured motorist coverage together, allowing drivers to add both protections to the same auto insurance policy.\u00a0<\/p>\n<\/div><\/div>\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" alt=\"\" class=\"wp-image-3154\" height=\"300\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/b061cd24129f9204832b3b43db5f73b0.png\" width=\"745\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/b061cd24129f9204832b3b43db5f73b0.png 745w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/b061cd24129f9204832b3b43db5f73b0-300x121.png 300w\" sizes=\"auto, (max-width: 745px) 100vw, 745px\" \/><\/figure>\n\n<h2>What doesn\u2019t uninsured motorist coverage cover?<\/h2>\n<p>Although uninsured motorist coverage can provide valuable financial protection, it doesn\u2019t cover every type of loss. Common exclusions include:\u00a0<\/p>\n<ul>\n<li>Injuries or vehicle damage from an accident you caused<\/li>\n<li>Expenses that exceed your uninsured motorist coverage limits\u00a0<\/li>\n<li>Losses caused by a driver whose liability insurance isn\u2019t sufficient to cover your damages (these are generally covered by underinsured motorist coverage)<\/li>\n<li>\u00a0Damage from weather, vandalism, or falling objects (typically covered by comprehensive insurance)\u00a0<\/li>\n<li>Vehicle theft<\/li>\n<\/ul>\n<h2>How much uninsured motorist coverage do you need?<\/h2>\n<p>Many insurance professionals recommend choosing uninsured motorist coverage limits that match your bodily injury liability limits. This can help ensure you have similar financial protection if you\u2019re injured by an uninsured driver. For example, if your state has a bodily injury liability requirement of $50,000 per person and $100,000 per accident, you should purchase coverage limits of at least equal amounts to help ensure you\u2019re protected if you\u2019re in an accident with an uninsured driver.<\/p>\n<h2>How much does uninsured motorist coverage cost?<\/h2>\n<p>Uninsured motorist coverage is fairly affordable, with an average cost of around $8 per month for UMBI coverage limits of $25,000 per person and $50,000 per accident. However, factors such as where you live and higher coverage limits could result in higher premiums.<\/p>\n<h2>Who needs uninsured motorist coverage?<\/h2>\n<p>Even if your state doesn\u2019t require uninsured motorist coverage, it\u2019s worth considering because not every driver carries enough (or any) liability insurance. Depending on your financial situation and where you live, uninsured motorist coverage can help protect you from significant out-of-pocket costs after a covered accident.\u00a0<\/p>\n<p>You should opt for uninsured motorist coverage if you:<\/p>\n<ul>\n<li>Live in a state where uninsured motorist coverage is required<\/li>\n<li>Drive in states with a high percentage of uninsured motorists<\/li>\n<li>Have a high health insurance deductible or no health insurance<\/li>\n<li>Can\u2019t comfortably afford unexpected medical bills or vehicle repairs after an accident<\/li>\n<\/ul>\n<h2>Uninsured motorist coverage at a glance<\/h2>\n<p>Below is a brief overview of the essential information about uninsured motorist coverage:<\/p>\n<ul>\n<li>Uninsured motorist coverage helps pay for injuries and, in some states, vehicle damage after an accident caused by an uninsured driver.\u00a0<\/li>\n<li>Most policies separate uninsured motorist coverage into bodily injury (UMBI) and property damage (UMPD) coverage.\u00a0<\/li>\n<li>Some states require uninsured motorist coverage, while others make it optional.\u00a0<\/li>\n<li>Many insurance professionals recommend choosing uninsured motorist limits that match your bodily injury liability limits.<\/li>\n<li>Underinsured motorist coverage (UIM) is separate coverage that applies when the at-fault driver has insurance\u2014but not enough to pay for all of your covered losses.\u00a0<\/li>\n<\/ul>\n<h2>How to save on uninsured motorist coverage<\/h2>\n<p>Uninsured motorist coverage is generally affordable, but that doesn\u2019t mean you shouldn\u2019t work to get the best price. Keep the below strategies in mind to help lower your premium even further:<\/p>\n<ul>\n<li>Compare quotes from multiple insurance companies.\u00a0<\/li>\n<li>Bundle your auto insurance with homeowner\u2019s, renter\u2019s, or another eligible policy.\u00a0<\/li>\n<li>Choose coverage limits that fit your budget and financial needs.\u00a0<\/li>\n<li>If it\u2019s available in your state and you already carry collision coverage, ask your insurer whether uninsured motorist property damage coverage is necessary.\u00a0<\/li>\n<li>Increase your deductible if you can comfortably afford a higher out-of-pocket cost after a covered claim.<\/li>\n<\/ul>\n<h2>The takeaway<\/h2>\n<p>Uninsured motorist coverage is the buffer against you and any driver who has chosen to drive without liability insurance. Some states require it by law, and some don\u2019t. But either way, it can be one of the smartest coverages you\u2019ll add to your policy if ever you\u2019re struck by such an at-fault driver. Depending on your policy limits, your bodily injury and property damage could be entirely covered\u2014or at the very least, mitigated.<\/p>\n<h2>Frequently asked questions<\/h2>\n<details><summary><span><h3>Is uninsured motorist coverage required in every state?<\/h3><svg><\/svg><\/span><\/summary>\n<p>No, uninsured motorist coverage is not required in every state. Only select states, such as Connecticut, Illinois, and Maryland, require this type of car insurance, while in many others it\u2019s optional.<\/p>\n<\/details>\n<details><summary><span><h3>What\u2019s the difference between collision and uninsured motorist coverage?<\/h3><svg><\/svg><\/span><\/summary>\n<p>Collision insurance covers you if your car strikes another vehicle or object, regardless of who is at fault, while uninsured motorist coverage only protects you in an accident with another vehicle where the driver is both at fault and doesn\u2019t have liability car insurance.<\/p>\n<\/details>\n<details><summary><span><h3>Does uninsured motorist coverage cover hit-and-run accidents?<\/h3><svg><\/svg><\/span><\/summary>\n<p>Uninsured motorist coverage can oftentimes cover hit-and-run accidents, though coverage may vary by state, your policy, and the specifics of the incident.<\/p>\n<\/details>\n<details><summary><span><h3>Does uninsured motorist coverage pay to repair my vehicle?<\/h3><svg><\/svg><\/span><\/summary>\n<p>Yes, uninsured motorist coverage can pay to repair your vehicle, provided you have uninsured motorist property damage coverage. However, you\u2019ll only be covered up to your policy limits and the car\u2019s actual cash value.<\/p>\n<\/details>\n<details><summary><span><h3>Can I reject uninsured motorist coverage?<\/h3><svg><\/svg><\/span><\/summary>\n<p>Some states allow drivers to reject uninsured motorist coverage in writing. However, you likely won\u2019t be able to do so if uninsured motorist coverage is required by law.<\/p><p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=3160\">Tech shares lift global markets while oil slips as Iran war keeps traders on edge<\/a><\/p>\n<\/details>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Uninsured motorist coverage can protect you from medical bills and car repair costs when an uninsured driver causes an accident. Learn more about this coverage.<\/p>\n","protected":false},"author":1,"featured_media":3172,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[246],"tags":[],"class_list":["post-3173","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is uninsured motorist coverage and do you need it? - Cross Country Moving Team<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/crosscountrymovingteams.com\/?p=3173\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is uninsured motorist coverage and do you need it? - Cross Country Moving Team\" \/>\n<meta property=\"og:description\" content=\"Uninsured motorist coverage can protect you from medical bills and car repair costs when an uninsured driver causes an accident. Learn more about this coverage.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/crosscountrymovingteams.com\/?p=3173\" \/>\n<meta property=\"og:site_name\" content=\"Cross Country Moving Team\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-10T22:42:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/b061cd24129f9204832b3b43db5f73b0.png\" \/>\n\t<meta property=\"og:image:width\" content=\"745\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3173#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3173\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/#\\\/schema\\\/person\\\/1b8121bfb9a1c55d1fff3fca675fceaa\"},\"headline\":\"What is uninsured motorist coverage and do you need it?\",\"datePublished\":\"2026-07-10T22:42:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3173\"},\"wordCount\":1816,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3173#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/21dc5df8516037ca0a6751ff9f24dc72.webp\",\"articleSection\":[\"Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3173#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3173\",\"url\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3173\",\"name\":\"What is uninsured motorist coverage and do you need it? - Cross Country Moving Team\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3173#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3173#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/21dc5df8516037ca0a6751ff9f24dc72.webp\",\"datePublished\":\"2026-07-10T22:42:07+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/#\\\/schema\\\/person\\\/1b8121bfb9a1c55d1fff3fca675fceaa\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3173#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3173\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3173#primaryimage\",\"url\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/21dc5df8516037ca0a6751ff9f24dc72.webp\",\"contentUrl\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/21dc5df8516037ca0a6751ff9f24dc72.webp\",\"width\":1200,\"height\":600},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3173#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What is uninsured motorist coverage and do you need it?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/#website\",\"url\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/\",\"name\":\"Cross Country Moving Team\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/#\\\/schema\\\/person\\\/1b8121bfb9a1c55d1fff3fca675fceaa\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"http:\\\/\\\/crosscountrymovingteams.com\"],\"url\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What is uninsured motorist coverage and do you need it? - Cross Country Moving Team","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/crosscountrymovingteams.com\/?p=3173","og_locale":"en_US","og_type":"article","og_title":"What is uninsured motorist coverage and do you need it? - Cross Country Moving Team","og_description":"Uninsured motorist coverage can protect you from medical bills and car repair costs when an uninsured driver causes an accident. Learn more about this coverage.","og_url":"https:\/\/crosscountrymovingteams.com\/?p=3173","og_site_name":"Cross Country Moving Team","article_published_time":"2026-07-10T22:42:07+00:00","og_image":[{"width":745,"height":300,"url":"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/b061cd24129f9204832b3b43db5f73b0.png","type":"image\/png"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/crosscountrymovingteams.com\/?p=3173#article","isPartOf":{"@id":"https:\/\/crosscountrymovingteams.com\/?p=3173"},"author":{"name":"admin","@id":"https:\/\/crosscountrymovingteams.com\/#\/schema\/person\/1b8121bfb9a1c55d1fff3fca675fceaa"},"headline":"What is uninsured motorist coverage and do you need it?","datePublished":"2026-07-10T22:42:07+00:00","mainEntityOfPage":{"@id":"https:\/\/crosscountrymovingteams.com\/?p=3173"},"wordCount":1816,"commentCount":0,"image":{"@id":"https:\/\/crosscountrymovingteams.com\/?p=3173#primaryimage"},"thumbnailUrl":"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/21dc5df8516037ca0a6751ff9f24dc72.webp","articleSection":["Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/crosscountrymovingteams.com\/?p=3173#respond"]}]},{"@type":"WebPage","@id":"https:\/\/crosscountrymovingteams.com\/?p=3173","url":"https:\/\/crosscountrymovingteams.com\/?p=3173","name":"What is uninsured motorist coverage and do you need it? - Cross Country Moving Team","isPartOf":{"@id":"https:\/\/crosscountrymovingteams.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/crosscountrymovingteams.com\/?p=3173#primaryimage"},"image":{"@id":"https:\/\/crosscountrymovingteams.com\/?p=3173#primaryimage"},"thumbnailUrl":"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/21dc5df8516037ca0a6751ff9f24dc72.webp","datePublished":"2026-07-10T22:42:07+00:00","author":{"@id":"https:\/\/crosscountrymovingteams.com\/#\/schema\/person\/1b8121bfb9a1c55d1fff3fca675fceaa"},"breadcrumb":{"@id":"https:\/\/crosscountrymovingteams.com\/?p=3173#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/crosscountrymovingteams.com\/?p=3173"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/crosscountrymovingteams.com\/?p=3173#primaryimage","url":"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/21dc5df8516037ca0a6751ff9f24dc72.webp","contentUrl":"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/21dc5df8516037ca0a6751ff9f24dc72.webp","width":1200,"height":600},{"@type":"BreadcrumbList","@id":"https:\/\/crosscountrymovingteams.com\/?p=3173#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/crosscountrymovingteams.com\/"},{"@type":"ListItem","position":2,"name":"What is uninsured motorist coverage and do you need it?"}]},{"@type":"WebSite","@id":"https:\/\/crosscountrymovingteams.com\/#website","url":"https:\/\/crosscountrymovingteams.com\/","name":"Cross Country Moving Team","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/crosscountrymovingteams.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/crosscountrymovingteams.com\/#\/schema\/person\/1b8121bfb9a1c55d1fff3fca675fceaa","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g","caption":"admin"},"sameAs":["http:\/\/crosscountrymovingteams.com"],"url":"https:\/\/crosscountrymovingteams.com\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=\/wp\/v2\/posts\/3173","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3173"}],"version-history":[{"count":0,"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=\/wp\/v2\/posts\/3173\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=\/wp\/v2\/media\/3172"}],"wp:attachment":[{"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3173"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3173"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}