> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 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.

## Related terms

* [Underinsured motorist (UIM)](/learn/underinsured-motorist)
* [Bodily injury liability](/learn/bodily-injury-liability)
* [Auto insurance](/learn/auto-insurance)

## Further reading

* [FTC — Auto insurance basics](https://consumer.ftc.gov/articles/auto-insurance-what-you-need-know)

These are independent consumer-education sources. Coverage details vary by state and carrier.

## Get a quote

Ready for coverage? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=uninsured-motorist)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=uninsured-motorist)


## Related topics

- [Underinsured motorist (UIM)](/learn/underinsured-motorist.md)
- [Bodily injury liability](/learn/bodily-injury-liability.md)