{ "@context": "https://schema.org", "@type": "DefinedTerm", "name": "Uninsured Motorist (UM)", "description": "Uninsured motorist coverage pays your medical bills and lost wages when an at-fault driver has no insurance. Roughly one in eight US drivers is uninsured, making this coverage important to carry.", "inDefinedTermSet": { "@type": "DefinedTermSet", "name": "Insurance Terms Glossary", "url": "https://olivecover.com/insurance-terms" } }
Olive Cover
AboutFree Coverage Review
Auto

Uninsured Motorist (UM)

Uninsured motorist coverage pays your medical bills and lost wages when an at-fault driver has no insurance. Roughly one in eight US drivers is uninsured, making this coverage important to carry.

Pays your medical bills and lost wages when an at-fault driver carries no insurance. Roughly one in eight US drivers is uninsured. Example: an uninsured driver runs a red light and breaks your collarbone. UM pays your $35,000 hospital bill and three weeks of lost income. Without UM, you would be chasing a likely-judgment-proof driver in court.