The short answer
Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage on your own auto policy pays bodily injury and (in some states) property damage when the at-fault driver has no or too little insurance. Match limits to your own liability limits.
Frequently asked
- Is UM/UIM required?
- Mandatory in 20+ states, optional elsewhere. Even where optional, strongly recommended.
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