What does uninsured vehicle coverage cover?

Uninsured vehicle coverage (sometimes referred to as UM or UIM coverage) provides financial protection in the event that you are involved in an accident with a driver who does not have insurance or if the at-fault driver's insurance coverage is insufficient to cover your damages.

It covers injuries, lost wages, pain, and suffering, and any property damage sustained in the accident.

There are two main types of uninsured vehicle coverage:

1. Bodily injury uninsured vehicle coverage (BI-UM) provides coverage for injuries to you and your passengers if the at-fault driver is uninsured or underinsured.

2. Property damage uninsured vehicle coverage (PD-UM) provides coverage for damage to your vehicle if the at-fault driver is uninsured or underinsured.

Uninsured vehicle coverage is an important type of insurance to have, as it can protect you from the financial devastation that can result from an accident with an uninsured or underinsured driver.

In the United States, it is required by law in some states, while other states offer it as an optional coverage. Check with your state's Department of Motor Vehicles (DMV) or your insurance company to determine if uninsured vehicle coverage is required in your state.