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Glossary > Insurance > Auto Insurance > Uninsured
Legal Disclaimers

UM-UIM Bodily Injury Coverage

UM/UIM bodily injury coverage, part of uninsured/underinsured motorist insurance, protects you if you're in an accident caused by a driver with insufficient or no insurance. It helps cover medical bills for injuries you, your family, or passengers suffer in such an accident.

Example #1

If someone hits your car and injures you and the medical expenses exceed the at-fault driver's coverage, your UM/UIM bodily injury coverage can help pay for the additional medical costs.

Misuse

Misusing UM/UIM bodily injury coverage can occur when attempting to claim benefits for injuries unrelated to a car accident caused by an uninsured or underinsured driver. It's crucial to prevent misuse to ensure that the coverage functions as intended and remains affordable for all policyholders.

Benefits

Having UM/UIM bodily injury coverage is beneficial because it provides financial protection in situations where the at-fault driver lacks sufficient coverage to pay for your medical expenses after an accident.

Conclusion

UM/UIM bodily injury coverage is essential for safeguarding against potential financial hardships resulting from accidents with uninsured or underinsured drivers. It is a valuable addition to your auto insurance policy to ensure you're adequately protected in case of such unfortunate events.

Related Terms

Medical PaymentsPolicyCoverage

Last Modified: 4/29/2024
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