There is one type of insurance coverage that will help to make sure you are properly protected in all circumstances. This insurance is called Uninsured Motorist coverage (it is commonly called just “UM”). Uninsured Motorist coverage is designed with one goal in mind….to protect you in all these situations. The name adequately describes what it does. It provides insurance coverage for your injury damages when the driver that causes an accident has little or no liability insurance.
So, when a driver who has no liability insurance causes an accident and injures you, you will be protected because you have Uninsured Motorist coverage. In essence, Uninsured Motorist Coverage fills in for the insurance coverage the negligent driver does not have.