What is underinsured/uninsured (UM) coverage?
Bodily injury liability coverage, mentioned above, pays for serious and permanent injury or death to others when you cause an accident involving your automobile. Because many drivers do not have bodily injury liability coverage, it’s a good idea to purchase UM coverage. UM coverage will pay for bodily injuries to you, your family members and any other person occupying your covered automobile, should they be injured in an accident caused by the negligence of another. UM coverage pays in cases where the at-fault party has no liability insurance, where the at-fault party doesn’t have enough liability coverage to adequately pay for the damage incurred, or when the injuries result from a hit-and-run vehicle.
