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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:
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Medical bills
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Lost wages
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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:
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Medical bills
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Lost wages
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Pain and suffering
