10/16/2026
🚨 UNINSURED MOTORIST (UM) COVERAGE
What happens if someone hits your vehicle and they have NO auto insurance?
That’s where uninsured motorist coverage may help!
Depending on your policy, it can help cover:
✅ Medical expenses from covered injuries
✅ Lost wages related to covered injuries
✅ Other covered injury-related losses
Some policies also offer coverage for vehicle damage caused by an uninsured driver.
🚨 UNDERINSURED MOTORIST (UIM) COVERAGE
What happens if someone hits you, but they don’t have ENOUGH insurance to cover your injuries?
For example:
💥 You’re injured in an accident, and your medical bills and other covered damages total $100,000.
The at-fault driver only has $25,000 in bodily injury liability coverage.
Their insurance may pay up to its applicable limit, but that could leave a significant gap.
Underinsured motorist coverage may help cover eligible remaining losses, subject to your policy limits, terms, and state law.
💡 HERE’S THE SIMPLE WAY TO REMEMBER:
❌ UNINSURED = The at-fault driver has NO applicable insurance.
⚠️ UNDERINSURED = The at-fault driver HAS insurance, but not enough to cover your losses.
❤️ WHY DOES THIS MATTER?
You can do everything right, maintain your own insurance, and still be injured by someone who has no insurance or inadequate coverage.
Protecting yourself means understanding what YOUR policy covers, not just what the other driver’s policy covers!
📞 Ask your insurance agent: Do I have uninsured and underinsured motorist coverage, and are my limits enough for my needs?
A little knowledge today can make a big difference tomorrow! 🚘