Uninsured/Underinsured Motorist Property Damage covers damage to your vehicle caused by a driver without Property Damage Liability insurance, without enough Property Damage Liability insurance, or by a hit and run driver.
Most states require that drivers have insurance, however, many motorist do not. Uninsured/Underinsured Motorist coverage is an inexpensive coverage that covers damage to your vehicle (cause by an uninsured or underinsured motorist) even if you do not have collision coverage.
Uninsured/Underinsured Motorist (UMUIM)
Uninsured/Underinsured Motorist Coverage covers injuries to you and your passengers that are caused by a driver without Bodily Injury Liability insurance, without enough Bodily Injury Liability insurance, or by a hit and run driver.
Most states require that drivers have insurance, however, many motorists do not. Uninsured/Underinsured Motorist coverage covers injuries to you and is equally as important as your Bodily Injury Liability coverage, which covers injuries to others. Most people carry the same limits of coverage for Uninsured/Underinsured Motorist and Bodily Injury Liability.
