What is UM/UIM coverage?

UM and/or UMI coverage is insurance coverage that is available to you that can be purchased separately on an automobile insurance policy. We recommend that all of our clients consider this coverage because it protects you in the event that the person that hit you or hurt you either had no insurance or was underinsured at the time. There is a difference between the two, however. “UM” stands for uninsured motorist coverage, which means it’s coverage in the event the person had no insurance, or “UMI coverage,” which is underinsured motorist coverage, which protects you and allows for you to recover damages over and above any insurance that the person that hit you or the at-fault party may have.

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