Uninsured or Underinsured Motorist Coverage (UM / UIM Coverage)

Uninsured or Underinsured Motorist Coverage, also called UM / UIM Coverage, is insurance coverage that you purchase to protect yourself from being in an accident with someone who has no insurance, or only very little insurance. If someone with no car insurance, or only very little 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 when another drive is uninsured or underinsured.

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