UNINSURED/UNDERINSURED MOTORIST (UM/UIM) COVERAGE
What it pays: Your expenses from an accident caused by an uninsured motorist, a motorist who did not have enough insurance, or a hit-and-run driver. Also pays for personal property that was damaged in your car. There is a mandatory $250 deductible for property damage. This means you must pay the first $250 of the expenses yourself before the insurance company will pay.
THERE ARE TWO TYPES OF UM/UIM COVERAGE:
Bodily injury UM/UIM pays for medical bills, lost wages, pain and suffering, disfigurement, and permanent or partial disability. There is not a deductible with this type. Property damage UM/UIM pays for auto repairs, a rental car, and damage to items in your car. Who it covers: You, your family members, passengers in your car, and others driving your car with your permission. Insurance companies must offer UM/UIM coverage. If you don’t want it, you must reject it in writing.