Uninsured Motorist Coverage (UM)
Insurance Glossary
Auto coverage that pays for the insured's injuries when the at-fault driver has no liability insurance or leaves the scene without being identified. Some states also offer an uninsured motorist property damage version that covers the vehicle itself. Many states either require this coverage or require insurers to offer it and obtain a written rejection, so the rules differ considerably from state to state.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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