Under/Uninsured Motorist Coverage (UM/UIM)

Insurance

Under/Uninsured Motorist Coverage (UM/UIM)

What is

Under/Uninsured Motorist Coverage (UM/UIM)

Insurance?

Uninsured/underinsured motorist (UM/UIM) coverage is a component of an auto insurance policy that provides coverage when the policyholder is in an accident with someone who does not have insurance or has some but not enough. It is an add-on to a standard auto policy and pays for injuries to the policyholder and passengers, and in some instances for damage to property, if the other driver is legally responsible for the accident but uninsured. Additionally, if the at fault driver has some insurance, but not enough to cover the losses that result from the accident. In some states, it is required that auto insurance policies include uninsured motorist coverage.

  • Uninsured motorist coverage (UM) is an add-on coverage for auto policies that will pay for injuries and damages caused by an uninsured driver.
  • Hit-and-run drivers are also considered uninsured motorists.
  • Uninsured motorist coverage usually adds only a small cost to an auto insurance policy but provides beneficial coverage.


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  • Uninsured motorist coverage (UM) is an add-on coverage for auto policies that will pay for injuries and damages caused by an uninsured driver.
  • Hit-and-run drivers are also considered uninsured motorists.
  • Uninsured motorist coverage usually adds only a small cost to an auto insurance policy but provides beneficial coverage.

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