Uninsured Motorist Coverage
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Protection if you're hit by an uninsured driver.
Definition
Uninsured motorist (UM) coverage protects you if you're in an accident with a driver who has no insurance. It covers your medical bills and sometimes property damage. Some states require this coverage. It also typically covers hit-and-run accidents.
Example
After being rear-ended by an uninsured driver, Kevin's UM coverage paid his $20,000 in medical bills.
More Auto Insurance Terms
Insurance that pays for damage or injuries you cause to others.
Coverage for injuries you cause to others in an accident.
Coverage for damage you cause to others' property.
Insurance that pays to repair your car after an accident.
Insurance for non-collision damage like theft or weather.
Protection if the at-fault driver's limits aren't enough.
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