Coverage Explained
Understand UM/UIM Coverage
Clear, plain-language guides to uninsured/underinsured motorist coverage — what it is, how it works, and how to make sure you have enough.
What Is Uninsured/Underinsured Motorist Coverage?
Uninsured/underinsured motorist (UM/UIM) coverage pays for your injuries and losses when an at-fault driver has no insurance or too little to cover what they owe you. It protects you, your family, and your passengers.
UM vs. UIM: What's the Difference?
Uninsured motorist (UM) and underinsured motorist (UIM) coverage solve two different problems — a driver with no insurance, and a driver with not enough. Here's how each works and why you need both.
Uninsured Motorist Bodily Injury (UMBI)
Uninsured/underinsured motorist bodily injury (UMBI/UIMBI) pays for the medical bills, lost income, and pain and suffering you sustain when an uninsured or underinsured driver injures you, your passengers, or your family.
Uninsured Motorist Property Damage (UMPD)
Uninsured motorist property damage (UMPD) pays to repair or replace your vehicle and property when an uninsured at-fault driver damages it. Availability, limits, and hit-and-run rules vary by state.
Stacked vs. Unstacked Coverage
Stacked UM/UIM coverage lets you combine (stack) your limits across multiple vehicles or policies for a higher total payout. Unstacked applies a single vehicle's limit. Availability varies by state.
State Requirements & Coverage Limits
Uninsured/underinsured motorist requirements vary by state — some mandate it, some require carriers to offer it, and minimum limits differ. Understanding your state's rules helps you avoid being underprotected.
Hit-and-Run & UM Coverage
In most states, a hit-and-run driver is treated as uninsured — so your uninsured motorist coverage is what pays for your injuries when the at-fault driver flees and is never identified.
Why Raise Your UM/UIM Limits
Raising your uninsured/underinsured motorist limits is one of the highest-value moves on an auto policy — strong protection against the millions of uninsured and underinsured drivers, usually for a modest premium increase.
Are You Covered If the Other Driver Isn't?
Get a quote in minutes and find out if your UM/UIM limits are enough. We shop multiple carriers and explain your options in plain English — no pressure.