What is Uninsured Motorist (UM) Coverage
Uninsured Motorist Coverage is designed to protect you, your passengers, and your vehicle if you are in an accident caused by a driver who:
- Has no insurance at all.
- Is underinsured (their insurance isn’t enough to cover the total damages).
- Flees the scene of a hit-and-run.
Essentially, your own insurance company “steps into the shoes” of the at-fault driver and pays the damages they are ar legally responsible for, up to your policy limits.
What Does it Cover?
- Medical Expenses & Lost Wages: For you and your passengers.
- Property Damage: Repairs to your vehicle.
- Pain and Suffering: Compensation for your injuries.
Why You Need It
- High Risk: Roughly 1 in 7 drivers on the road are uninsured.
- Hit-and-Runs: It is often your only line of defense if a driver flees.
- Low Cost, High Reward: It is highly affordable compared to the massive financial protection it offers.
The Difference: UM vs. UIM
- UM (Uninsured): The at-fault driver has zero insurance.
- UIM (Underinsured): The driver has insurance, but it is not enough to cover your total damages.
Action Item: Don’t wait for an accident to find out you’re exposed. Check your policy declarations page today or call your agent to ensure you have adequate UM/UIM limits.