Uninsured (UM) motorist bodily injury coverage will pay for medical expenses, income loss and other damages when the policyholders, authorized drivers or passengers are injured in an accident caused by a driver who has no automobile insurance. UM may also pay for injuries sustained as a result of hit-and-run accidents.

Coverage is subject to the limits that you chose when you purchased your auto insurance.

Underinsured (UIM) motorist bodily injury coverage will pay for medical expenses, income loss and other damages when the policyholders, authorized drivers or passengers are injured in an accident caused by a driver who has some, but not enough coverage to fully cover the cost of the injury. UIM coverage typically pays the difference between your coverage and the other driver's bodily injury coverage.