Uninsured Motorist Insurance (UM) & Underinsured Motorist Interest (UIM)
Uninsured motorist insurance is intended to protect you if you’re in an accident and the other driver doesn’t have liability insurance. Underinsured motorist insurance protects you in situations where the at-fault driver’s insurance fails to cover the total cost of your damages. UM/UIM coverage usually applies if your accident involves:
- A driver without insurance
- An insured driver, but their coverage doesn’t fully compensate total damages
- An unidentified hit-and-run driver
In the event of an uninsured driver causing you injury or damaging your property, having UM or UIM insurance can be the difference between you or your insurance company paying for accident-related expenses.