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Uninsured Motorists Coverage Definition

Typically this policy will cover you and your passengers if you are in an accident caused by a driver who is uninsured. Generally this will pay medical expenses up to the limits of your liability auto insurance. Usually this policy will also pay in case of a hit-and-run accident where the responsible driver cannot be located.

This auto insurance may be required in some states and each state determines exactly what is covered with this kind of policy.


Other Auto Insurance Terms & Definitions


  Bodily Injury (BI)   Property Damage (PD)
  Collision Auto Insurance   Tort States
  Comprehensive Auto Insurance   Underinsured Motorist Insurance (UIM)
  Liability Auto Insurance   Uninsured Motorists Coverage (UM)
  No-Fault Insurance   Wrongful Death Insurance
  Personal Injury Protection (PIP)    
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