Learn — Auto
Uninsured motorist (UM)
What uninsured motorist coverage (UM) is on an auto policy, how it pays your injury and damage costs when the at-fault driver has no liability insurance at all.
Uninsured motorist (UM) pays your damages when you are hit by a driver with no insurance. Required in several Midwest states.
Roughly one in ten drivers may be uninsured depending on state. Minimum UM limits are often too low for serious accidents.