Reviewed by CHIP STAPLETON Fact checked by KIRSTEN ROHRS SCHMITT What Is Uninsured Motorist Coverage (UM)?

An auto insurance policy’s uninsured motorist (UM) coverage provides protection in the event of an accident with someone who does not have insurance.

If the other driver is legally responsible for the accident but does not have insurance, this add-on to a standard auto policy covers injuries to the policyholder and passengers as well as damage to their property in some cases.

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