What does Uninsured Motorist Coverage pay for?
UM pays you, resident members of your family, and occupants of your auto for personal injuries caused by an uninsured motorist, an underinsured motorist or a hit and run driver. It does not pay for damages to your car! If an uninsured motorist damages your car, repairs would be paid for under your Collision coverage. If you carry Liability only, there would be no insurance coverage available to repair your car.
