What does Uninsured Motorist (UM) coverage provide?

Uninsured Motorist (UM) coverage is designed to protect individuals in the event that they suffer injuries due to an accident caused by a driver who does not have insurance. This type of coverage is particularly important because it ensures that the injured party can receive compensation for medical expenses, lost wages, and other damages resulting from the accident, even when the at-fault driver lacks the means to pay for these costs.

UM coverage is not meant for vehicle theft, total vehicle loss, or providing liability protection. Therefore, it specifically targets the situation where an insured individual is seeking remedy for injuries sustained in an accident where the other party is uninsured. This makes it a crucial component of a comprehensive auto insurance policy, ensuring that drivers are not left vulnerable to financial hardship due to the recklessness or misfortune of another driver who is not insured.