This type of coverage protects you against damage and injuries caused by somebody who is not covered or inadequately covered by liability insurance.
UM/UIM coverage is applied when it’s determined that the other driver does not have insurance, not enough insurance, when the driver’s insurance company cannot cover your injuries or damages, or when you’re the victim of a hit-and-run.
If you are the victim of a UM/UIM accident, this coverage will protect you and your passengers’ medical expenses, damage to your vehicle, and possibly rental car reimbursement.
UM/UIM coverage is a legal requirement in some states. Other states recommend carrying it and typically require insurance companies to inform customers of its availability.