Uninsured/Underinsured Motorist (UM/UIM)

Covers you when the at-fault driver has no insurance or not enough. Quietly one of the most important coverages you own.

Uninsured/underinsured motorist coverage protects you when the at-fault driver has no insurance, or not enough to cover your injuries.

Roughly one in eight drivers is uninsured, and plenty more carry only bare-minimum limits. If one of them seriously injures you, UM/UIM steps in to pay your medical bills, lost wages, and more — essentially standing in for the coverage the other driver should have had.

It’s one of the most valuable and under-bought coverages on an auto policy. A good rule is to carry UM/UIM limits that match your own liability limits.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.