Uninsured Motorist Coverage (UM)
What Is Uninsured Motorist Coverage?
Uninsured motorist coverage (UM) is an auto insurance policy feature that helps pay for damages or injuries if you are involved in an accident caused by a driver who does not have insurance.
This coverage helps protect drivers when the at-fault driver lacks insurance.
Why It Matters
Although most states require drivers to carry insurance, some drivers remain uninsured. If an uninsured driver causes an accident, victims may struggle to recover damages.
Uninsured motorist coverage helps fill that financial gap.
How Uninsured Motorist Coverage Works
If an uninsured driver causes an accident, UM coverage may help pay for certain costs.
Covered expenses may include:
- medical expenses
- lost wages
- vehicle damage (in some policies)
Coverage limits are defined in the insurance policy.
Example
If an uninsured driver runs a red light and causes an accident, uninsured motorist coverage may help cover medical bills and other damages.
Uninsured Motorist Coverage vs Underinsured Motorist Coverage
- Uninsured motorist coverage applies when the at-fault driver has no insurance.
- Underinsured motorist coverage applies when the driver has insurance but not enough to cover damages.
FAQs About Uninsured Motorist Coverage
Is uninsured motorist coverage required?
Some states require it, while others offer it as optional coverage.
Does UM cover hit-and-run accidents?
Often yes, depending on policy terms.
Does UM cover property damage?
Some policies include property damage coverage.
Related Terms
- Auto Insurance
- Underinsured Motorist Coverage
- Liability Insurance
- Insurance Claim
- Insurance Coverage
