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Automobile Insurance: The Different Coverages

Uninsured and Underinsured Motorists Coverage (UM/UIM)

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UM/UIM covers you and members of your household who are related to you against costs resulting from injury by:

  • An uninsured motorist
  • An underinsured motorist or
  • A hit-and-run driver.

This coverage is essential to cover against costs resulting from an auto accident caused by an underinsured motorist or a hit-and-run driver. Get at least $100,000 per person and $300,000 per accident.


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