Uninsured motorist (UM) pays your medical bills and lost wages when you are hit by a driver with no insurance. Roughly one in eight US drivers is uninsured. Underinsured motorist (UIM) pays the gap when an at-fault driver does have coverage but their limits are not enough. An uninsured driver runs a red light and breaks your collarbone: UM pays your $35,000 hospital bill and lost income. Without UM, you would be chasing a likely-judgment-proof driver in court. See our Insurance Terms page at /insurance-terms.

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