Uninsured and Underinsured Motorist Coverage

This type of coverage protects you against damage and injuries caused by somebody who is not covered or inadequately covered by liability insurance.

UM/UIM coverage is applied when it's determined that the other driver does not have insurance, not enough insurance, when the driver's insurance company cannot cover your injuries or damages, or when you're the victim of a hit-and-run.

Should you become the victim of a UM/UIM accident, this type of coverage will cover you and your passengers' medical expenses, vehicle damage, and possibly rental car reimbursement.

UM/UIM coverage is a legal requirement in some states. Other states recommend carrying it and even require insurance companies to inform their customers of its availability.