UM coverage can help you recover damages for:
* Medical expenses
* Lost wages
* Pain and suffering
* Property damage
The amount of UM coverage you can purchase varies by state. In some states, you can purchase UM coverage up to the limits of your liability coverage. In other states, the amount of UM coverage you can purchase is limited.
If you're considering purchasing UM coverage, there are a few things to keep in mind. First, UM coverage is not always necessary. If you live in a state where the majority of drivers have liability insurance, you may not need UM coverage. However, if you live in a state where many drivers are uninsured, UM coverage can be a valuable protection.
Second, UM coverage can be expensive. The cost of UM coverage varies depending on the amount of coverage you purchase and your insurance company. However, the cost of UM coverage is usually worth the peace of mind it provides.
Third, UM coverage is only available to drivers who have liability insurance. If you don't have liability insurance, you won't be able to purchase UM coverage.
If you're considering purchasing UM coverage, it's important to talk to your insurance agent. They can help you determine the amount of UM coverage you need and the cost of coverage.
