What it pays:
Your expenses from an accident caused by an uninsured motorist, a motorist who did not have enough insurance, or a hit-and-run driver. Also pays for personal property that was damaged in your car.
There is a mandatory $250 deductible for property damage. This means you must pay the first $250 of the expenses yourself before the company will pay.
There are two types of UM/UIM coverage:
Who it covers:
You, your family members, passengers in your car, and others driving your car with your permission. Insurance companies must offer UM/UIM coverage. If you don't want it, you must reject it in writing.