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Personal Auto
Uninsured / Underinsured Motorist (UM/UIM)
Also known as: uninsured motorist · UM · UIM
Coverage that pays for your injuries (and sometimes property damage) when hit by a driver with no insurance or insufficient insurance.
Uninsured motorist (UM) and underinsured motorist (UIM) coverage protects you when the at-fault driver has no insurance or carries less coverage than your damages. Illinois requires 25/50 UM minimum; Texas requires drivers to be offered UM and PD-UM coverage but allows rejection in writing. UM and UIM are among the highest-value coverages on a personal auto policy because 12–25% of drivers in any state are uninsured.
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