UM and UIM
Your liability coverage protects others. UM/UIM helps protect your household.
The availability and structure of uninsured-motorist coverage vary by state.
Uninsured versus underinsured
Uninsured motorist coverage addresses an at-fault driver with no applicable insurance. Underinsured motorist coverage may apply when the driver’s limit is insufficient for covered damages.
Who may be protected
Depending on policy and state law, protection may extend to named insureds, resident relatives, occupants and sometimes insured people struck as pedestrians. Definitions matter.
Property damage
UM property-damage availability, deductibles and collision interaction vary. Some states or forms require identification or contact with the other vehicle.
Selection or rejection
Many states require an offer and written selection or rejection. Keep signed forms and review decisions when vehicles, drivers or states change.
Complete household protection