What Is Uninsured and Underinsured Motorist Coverage (UM/UIM) & Why You Need It?

UM/UIM is an abbreviation, standing for uninsured motorist and underinsured motorist coverage. If you have this coverage in your insurance policy, your insurance company takes the place of the uninsured driver’s insurance company. This means you can make a claim for damage to your vehicle, as well as your injuries, with your insurance company.