Uninsured Motorist Coverage (UM)
Definition
Coverage on your own policy that protects you if you're hit by a driver who has no insurance at all, or in hit-and-run situations where the driver is never identified.
Real-World MVA Example
A driver with no insurance runs a red light and totals your car, leaving you with $40,000 in medical bills. Your UM coverage steps in to pay since the other driver has nothing.
Related Terms in Insurance & Claims
Adjuster
An insurance company employee who investigates your claim, evaluates the damage, and decides how much the insurer should pay. Adjusters work for the insurance company, not for you.
At-Fault State
A state where the driver who caused the accident is financially responsible for the other party's injuries and damages. Most states follow this system.
Bad Faith
When an insurance company unreasonably denies, delays, or undervalues your legitimate claim. Bad faith can give you grounds to sue the insurer for additional damages.
Collision Coverage
An optional part of your own auto insurance policy that pays for repairs to your vehicle after a crash, regardless of who was at fault.
Comprehensive Coverage
An optional insurance coverage that pays for damage to your vehicle from non-collision events like theft, vandalism, hail, flooding, or hitting an animal.
First-Party Claim
A claim you file with your own insurance company under your own policy, such as collision coverage, MedPay, or uninsured motorist coverage.
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