Uninsured motorist coverage (UM) is an additional protection to the insured in the unfortunate event they are involved in an accident caused by a driver who lacks liability insurance. This protection helps cover different losses that may arise from the accident.

This coverage is designed to help mitigate the financial burden by covering medical expenses, loss of income, pain and suffering, and other damages resulting from bodily injury experienced by the insured and their passengers.

UM coverage is highly recommended because it acts as a safety net for those who may not have the means to pay for the damages they cause. In some states, it is often required by law to make sure drivers are adequately protected.

In addition to bodily injury protection (UMBI), uninsured motorist coverage may also extend to property damage (UMPD). This comprehensive coverage, also known as bodily injury and property damage (BIPD), provides essential financial security and peace of mind, ensuring that you are safeguarded in case of an accident.