If you're in an accident with someone who doesn't have enough insurance, or doesn't have any insurance at all, you could be left to pay for damages and medical expenses out of your own pocket. Uninsured/underinsured motorist (UM/UIM) coverage can protect you from this financial hardship.

Summary:

UM/UIM coverage is an important type of auto insurance that can help protect you from the financial consequences of an accident with an uninsured or underinsured driver.