THE FALLS INSURANCE CENTER, INC.
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Uninsured/Underinsured motorists
Uninsured motorists (UM) coverage pays for your injuries if you're struck
by a hit-and-run driver or someone who doesn't have auto insurance. It is
required in many states.
Underinsured motorists (UIM) coverage will pay out if the driver who hit you causes more damage than his or her liability coverage can cover. In some states, UM or UIM coverage will also pay for property damages.