Uninsured Motorist Coverage
Coverage for your bodily injury (and sometimes property damage) when an at-fault driver has no liability insurance.
UM pays what a negligent uninsured driver would have owed for your injuries. Some states require UM; limits often match liability unless rejected in writing where allowed. UM property damage (UMPD) exists in some states.
Examples
A hit-and-run driver flees and is never identified; your UM coverage pays your medical bills up to limits.
Common Misconceptions
Stacking rules vary by state and policy. Assuming UM covers your car damage in states with BI-only UM.
Related Terms
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Back to Glossary Claims Pages AcademyThis definition is provided for informational and educational purposes. Insurance terminology may vary by jurisdiction, policy, and context. Consult a licensed professional for guidance specific to your situation.
