NORTHWEST TUCSON LOCATION
3618 N Oracle Rd., Tucson, AZ 85705 US
Closed on Saturdays
520-888-8888
SOUTH TUCSON LOCATION
1809 S. 6th Ave., Tucson, AZ 85713 US
Closed on Saturdays
520-884-8488
EAST TUCSON LOCATION
6545 E. 22nd St., Tucson, AZ 85710 US
520-584-9000
info@mikepierceinsurance.com

You do everything right— keep your insurance current, drive safely, and follow the rules of the road. But what happens if the person who hits you doesn’t?
There are more than 1 in 10 uninsured drivers in Arizona. That means there’s a real chance that if you get into an accident, the other driver won’t have coverage to pay for your repairs or medical bills.
That’s where uninsured motorist coverage comes in. It’s one of the smartest (and often most affordable) ways to protect yourself from someone else’s mistake.
Uninsured motorist coverage (often called UM coverage) is an add-on to your auto policy that protects you if you’re hit by a driver who doesn’t have insurance.
It typically covers:
There’s also underinsured motorist coverage (UIM), which applies when the other driver has insurance—but not enough to cover the full cost of your injuries or repairs.
Together, UM and UIM fill one of the biggest gaps in protection that many Arizona drivers don’t realize they have.
Arizona’s minimum insurance requirements are relatively low: only $25,000 for injuries per person and $15,000 for property damage. A single hospital visit can easily exceed that.
And with thousands of drivers on Tucson roads carrying either minimum coverage—or none at all—you could be left paying out of pocket even if you weren’t at fault.
Uninsured motorist coverage steps in to cover what the other driver can’t. Instead of chasing reimbursement through legal channels, your insurance company handles the payout directly, saving you time, stress, and financial strain.
Let’s look at a few real-world examples Tucson drivers face every day:
Without UM or UIM, each of these situations could cost you thousands.
In Arizona, uninsured motorist coverage isn’t required—but it’s strongly recommended. Most insurers offer it in limits that match your liability coverage.
If you carry 100/300/100 liability limits ($100,000 per person / $300,000 per accident / $100,000 property damage), you can usually select the same amounts for UM and UIM.
The cost difference is often minimal—just a few dollars a month—but the protection it provides is massive.
If you’re involved in a crash and suspect the other driver doesn’t have insurance:
Having uninsured motorist coverage makes this process simpler and faster—because your own insurer becomes your financial backup.
For 50 years, Mike Pierce Insurance has helped Arizona drivers find the coverage they actually need—without paying for what they don’t.
Our team compares quotes from multiple top-rated carriers to find the best protection for your budget. We’ll walk you through every part of your policy, including uninsured motorist coverage, to make sure there are no surprises when life happens.
When you work with a local agency, you’re not calling a 1-800 number—you’re talking to people who live and drive the same Tucson roads you do. You can get a free quote from our local insurance agency here.
You can’t control who’s on the road—but you can control how well you’re protected.
Uninsured motorist coverage is one of the easiest ways to make sure a single bad driver doesn’t turn into your financial nightmare.
If you’re not sure whether your current policy includes UM or UIM protection, give us a call.
(520) 888-8888
Mike Pierce Insurance – Your Local Arizona Insurance Experts
We’ll review your policy, answer your questions, and help you find affordable, comprehensive coverage that keeps you protected—no matter who’s behind the wheel.
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