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How can I protect myself against uninsured drivers?
Purchasing uninsured/underinsured motorist (UM/UIM) coverage can protect you against uninsured drivers. In some states, UM coverage is required by law.
UM coverage will pay for medical bills and pain and suffering if you are hit by an uninsured driver. In some states, UM property-damage coverage is available. If your car is damaged by an uninsured driver, your UM property-damage coverage will have your damages covered — if you don't have collision coverage.
Generally speaking, UM property-damage coverage carries a lower deductible than collision coverage. For the states where UM property damage coverage is available, read how to buy uninsured motorist property-damage coverage.
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