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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. 

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.

Covered UM expenses for you and your passengers include:

  • Medical bills

  • Lost wages

  • Pain and suffering

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.

Covered UIM expenses for you and your passengers include:

  • Medical bills

  • Lost wages

  • Pain and suffering

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