Glossary

UM/UIM (Uninsured / Underinsured Motorist)

Coverage that pays when you're hit by a driver with no insurance or insufficient insurance.

Critical coverage given that ~12% of U.S. drivers are uninsured (higher in some states). UM/UIM typically costs $30-$80/year and is some of the cheapest insurance you can buy relative to the risk.

Related terms

Liability Insurance

Coverage that pays for injury and property damage you cause to others.

No-Fault State

A state where each driver's insurance pays their own medical bills regardless of fault.

Put it into practice

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