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UM/UIM
(Uninsured/Underinsured Motorist Coverage)
UM/UIM is auto insurance that protects you when involved in an accident with a driver who either has no insurance (UM) or insufficient coverage (UIM) to pay for your damages. About 13% of U.S. drivers are uninsured, with rates exceeding 20% in some states.
UM covers medical bills, lost wages, and pain/suffering when the at-fault driver lacks coverage, while UIM applies when their limits are too low. UM/UIM is required in some states and optional in others, with typical limits matching your liability coverage. Claims against UM/UIM generally don't increase your premiums since you're not at fault. This coverage becomes crucial in hit-and-run accidents or when facing drivers with minimum-state coverage limits.
UM covers medical bills, lost wages, and pain/suffering when the at-fault driver lacks coverage, while UIM applies when their limits are too low. UM/UIM is required in some states and optional in others, with typical limits matching your liability coverage. Claims against UM/UIM generally don't increase your premiums since you're not at fault. This coverage becomes crucial in hit-and-run accidents or when facing drivers with minimum-state coverage limits.