UM/UIM

Uninsured Motorist insurance is a coverage that protects you if you’re involved in an accident with someone who does not have liability insurance or does not have enough liability insurance to pay for damages. 

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Uninsured Motorist insurance (UM) pays for injuries, such as medical expenses, that result from an accident caused by a driver who is uninsured.

UM insurance also protects you and your passengers if struck by a hit-and-run driver.

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Covered UM expenses for you and your passengers include:

• Medical bills

• Lost wages

• Pain and suffering

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Underinsured Motorist insurance (UIM) pays for injuries, such as medical expenses, that result from an accident caused by a driver who has too little insurance to cover all of the injuries. In some states, UIM is part of UM.

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Covered UIM expenses for you and your passengers include:

• Medical bills

• Lost wages

• Pain and suffering