Uninsured/Underinsured Motorist Coverage [How it Works and Why You Need it]

Uninsured or underinsured motorist coverage (UM/UIM) protects you financially if you're in an accident with a driver who doesn't have car insurance. Although UM/UIM coverage is typically considered optional, research shows that one in eight drivers are not insured. Uninsured/underinsured motorist coverage is broken into two parts — property damage and bodily injury. This means that insurance reimburses you for vehicle repairs or medical bills from an accident.

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UPDATED: May 4, 2022

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Uninsured Motorist Coverage Requirements by State
States with the Most Uninsured Drivers
State Negligence Laws
Uninsured Motorist Coverage Requirements by State
States with the Most Uninsured Drivers
State Negligence Laws