Nearly one-third of all vehicles on the road either have no insurance coverage or carry only the state-mandated minimums. UM, or Uninsured Motorists, and UIM, Underinsured Motorists, are the additional coverages you can purchase to protect you should you be involved in an accident caused by one of these drivers.
Uninsured Motorist (UM) coverage protects you when the responsible party who is legally liable for the accident doesn't carry auto liability insurance and they've injured you or damaged your automobile. Hit and run accidents are often paid under this coverage.
Nearly all states have laws that require automobile owners to purchase a minimum amount of insurance. Unfortunately, these limits are often too low to cover all of the costs that may add up in an accident. Underinsured Motorist (UIM) coverage provides you protection in an accident if the responsible party injures you or damages your automobile but doesn't have enough insurance coverage to fully pay your medical bills or repair your car.
Watch our video to learn more about these coverages and how they can protect you.