If you are involved in an accident with an uninsured driver, you probably will not be able to collect damages from that driver. Uninsured Motorist (UM) coverage (which varies by state) pays the cost of damages and injuries resulting from being hit by an uninsured or hit-and-run driver. Both you and your passengers are covered for medical expenses, lost wages and other injury-related losses. You may also be able to collect for pain and suffering.
Similarly, Underinsured Motorist (UIM) coverage (which varies by state) will pay for damages that exceed the amount of coverage carried by a driver with insufficient coverage to cover your damages.
