What is UM/UIM coverage?

Uninsured/Underinsured Motorist (UM/UIM) Coverage: Protects you if you're in an accident with a driver who has no insurance or insufficient coverage to pay for your damages.

UM/UIM coverage stands for Uninsured Motorist/Underinsured Motorist coverage. It protects you if you’re involved in an accident with a driver who doesn’t have insurance or whose insurance isn’t sufficient to cover your medical bills and vehicle repairs.

If your credit score drops, you might see an increase in your auto insurance premiums. If it improves, you could qualify for lower rates.

If you don’t have UM/UIM coverage, you could be left with medical bills and repair costs after an accident with an uninsured driver. It’s a good idea to add this coverage to your policy for added protection.