Glossary Term
UM/UIM Coverage
Definition
Uninsured/underinsured motorist coverage on your own auto policy that pays for your injuries when the at-fault driver has no insurance or not enough. It steps in where the other driver's coverage runs out.
Hypothetical
A driver is badly hurt by someone carrying only the state-minimum policy, which does not cover her hospital bills. She turns to her own UM/UIM coverage to make up the difference.