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Will uninsured motorist insurance cover?

Uninsured motorist insurance, also known as UM insurance, is designed to provide coverage when you are involved in an accident with a driver who doesn’t have insurance or has insufficient insurance to cover your damages.

UM insurance can typically cover:

  1. Medical Expenses: If you are injured in an accident caused by an uninsured or underinsured driver, your UM coverage can help pay for your medical bills, including hospitalization, surgeries, doctor visits, and rehabilitation.

  2. Lost Wages: If your injuries prevent you from working, UM insurance may provide coverage for lost income during your recovery period.

  3. Pain and Suffering: UM coverage may also provide compensation for non-economic damages like pain and suffering, emotional distress, and loss of enjoyment of life.

  4. Property Damage: In some cases, UM insurance can cover property damage to your vehicle or other property caused by an uninsured or underinsured driver.

  5. Hit-and-Run Accidents: UM insurance can also cover you in hit-and-run accidents where the at-fault driver cannot be identified.

  6. Passengers: UM insurance can often extend coverage to passengers in your vehicle who are injured in an accident caused by an uninsured or underinsured driver.

It’s important to note that UM coverage is not mandatory in all states, but it is highly recommended because it provides a safety net in case you are involved in an accident with an uninsured or underinsured driver.

The specific coverage limits and details of your UM insurance can vary depending on your policy and state regulations. To understand the extent of your coverage and any limitations, it’s essential to review your insurance policy and discuss it with your insurance provider.

Keep in mind that UM insurance is different from underinsured motorist insurance (UIM), which covers you when the at-fault driver has insurance but not enough to cover your damages fully. Both UM and UIM coverage can be valuable additions to your auto insurance policy to protect you in situations involving insufficient or absent insurance coverage from the at-fault party.

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