Uninsured/Underinsured Motorist coverage, is coverage that protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your vehicle.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.