# Uninsured Motorist Coverage

_Glossary_

Canonical: https://www.claimspages.com/learn/glossary/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.



A hit-and-run driver flees and is never identified; your UM coverage pays your medical bills up to limits.