Uninsured Motorist Coverage


  • A clause available in some auto insurance policies that provides coverage for an individual in the event of traffic collision where the other driver is at fault but does not have automotive insurance. Uninsured motorist coverage (UM) is optional in some areas and mandatory in others, and can also provide coverage in the event of a hit and run or if the other driver's insurer refuses to pay the claim.

extended insurance, auto insurance

Related Terms and Acronyms

  • Coverage Definition,
    • The type or amount of protection afforded by an insurance policy.
  • Financial Responsibility Laws Definition,
    • A type of law that requires an entity to be capable of paying for damages in the event of a potential claim.
  • Gap Insurance Definition,
    • A type of insurance offered to auto lease customers. This type of insurance covers the difference in value between a vehicle's book value and the amount remaining on a vehicles financing or lease, if such a difference exists.
  • High Risk Auto Insurance Definition,
    • Auto insurance for drivers with an increased risk of collisions.
  • Preferred Auto Definition,
    • Auto insurance for those with better driving records.
  • Private-Passenger Auto Insurance Policyholder Risk Profile Definition,
    • A system for sorting drivers by their driving records and how likely they are to cause a loss for an insurance company.
  • Subrogation Definition,
    • When an insurance company has the right to take legal action against a third party for damages.
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