Defining Insurance

Uninsured/Underinsured Motorists Coverage

  • Uninsured Motorist (UM) coverage pays for medical bills if you are hit by a driver who does not have automobile insurance or if you are involved in a hit and run accident. This coverage is required in many states.
  • Underinsured Motorist (UIM) coverage takes effect when you are hit by a driver who does not have enough automobile insurance to cover all of your medical bills. In this circumstance, the at-fault driver’s insurance would pay to its maximum, and then UIM would cover the remainder up to your maximum.
  • In some states, UM and UIM cover property damage.

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