What does UM stand for?

You are also required to carry $25, 000 of uninsured motorist coverage.

As most of the program's policyholders are previously uninsured drivers, these accidents would likely have been covered by the innocent drivers' uninsured motorist coverage.

You see claims all the time where folks have to use their uninsured motorist coverage because they were hit by someone not being financially responsible.

Pearse notes it's equally important to carry liability insurance that covers people in the other car and to have uninsured motorist coverage on your policy, which protects you if the other car isn't insured.

Once you (or your lender) have determined the minimum amount of liability insurance that you need (which could be for an amount greater than the state-mandated minimum) and you have determined the minimum amount of comprehensive, collision and uninsured motorist coverage you need, and once you have determined the maximum deductible that you feel comfortable paying in the event of a claim - and which your lender is also comfortable with - then all that''s left is for you to get online and look up at least 3 different websites which let you compare the prices of automobile insurance policies from multiple lenders.

The father claimed he suffered emotional distress from witnessing his son being injured and attempted to claim benefits for emotional distress under his uninsured motorist coverage.

A 1990 study by the California Department of Insurance states that 40 cents of every premium dollar paid for bodily injury liability and uninsured motorist coverage goes to attorneys.

Buy Uninsured Motorist coverage to protect yourself against uninsured or underinsured drivers.