Uninsured/Underinsured Motorist (UM) Coverage

Uninsured/Underinsured Motorist (UM) coverage covers you when you are not at fault for a crash and the other driver does not have any liability coverage or not enough to compensate you for your personal injury and/or losses. Your UM coverage “steps in the shoes” of the other driver’s insurance company and provides additional personal injury and property damage coverage to you. UM coverage is very important since there are many drivers on the roads with little or no liability coverage.