Uninsured Motorist Coverage (UM)

Uninsured Motorist Coverage (UM) is a type of car insurance that provides financial protection if you are injured in an accident caused by a driver who does not have insurance. UM coverage can also help pay for your medical bills and lost wages if you are injured in an accident caused by a hit-and-run driver.

UM coverage is an important part of any car insurance policy, as it can help to protect you from financial ruin if you are involved in an accident with an uninsured driver. However, it is important to note that UM coverage does not apply to accidents caused by drivers who are underinsured.

If you are involved in an accident with an uninsured driver, you will need to file a claim with your own insurance company. Your insurance company will then subrogate the claim to the uninsured driver's insurance company, if they have one. If the uninsured driver does not have insurance, your insurance company will pay for your damages up to the limits of your UM coverage.

UM coverage is typically purchased in addition to your liability insurance. Liability insurance protects you from financial liability if you are found to be at fault in an accident. UM coverage, on the other hand, protects you from financial liability if you are injured in an accident caused by an uninsured driver.

The amount of UM coverage you purchase will depend on your individual needs and budget. However, it is important to have at least enough UM coverage to cover your medical expenses and lost wages. If you have a high-value car, you may also want to consider purchasing additional UM coverage to protect your vehicle.

UM coverage is an important part of any car insurance policy. It can help to protect you from financial ruin if you are involved in an accident with an uninsured driver. However, it is important to understand how UM coverage works before you purchase it.