Uninsured Motorist Coverage (UM)

In addition to liability insurance and underinsured motorist (UIM) coverage, uninsured motorist (UM) coverage may be mandatory. In the case of an accident in which an uninsured driver is at fault, this policy usually will pay medical costs up to the maximum liability coverage that is carried by the driver.

This policy may also cover the costs of a "hit and run" accident in which the responsible party has left the scene of the accident and cannot be located.

NOTE: This policy is not expensive and should be purchased by every auto insurance policy holder, even if not required by the state.