Uninsured or Underinsured Motorist Coverage (UM / UIM Coverage)

What is Uninsured or Underinsured Motorist (UM/UIM) Coverage?

Uninsured or Underinsured Motorist Coverage, also called UM/UIM coverage, is insurance coverage that you purchase to protect yourself in the event that you are involved in an accident with someone who has no insurance, or only very little insurance.

Do I need Uninsured or underinsured motorist (UM/UIM) Coverage?

UM/UIM Coverage provides you more protection. If someone with no car insurance, or only very little car insurance ($25,000) injures you in an accident, your medical bills could easily be more than $25,000. UM/UIM Coverage allows you to recover your damages and medical expenses through your own auto policy when another driver does not maintain adequate insurance coverage.

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