It's a nightmare scenario: You get T-boned, and the other driver has no insurance (or flees the scene). Do you have to pay your own medical bills? No.
What is UM Coverage?
Uninsured Motorist (UM) coverage steps into the shoes of the at-fault driver. Your own insurance company acts as if they insured the bad driver. They pay for your pain, suffering, and bills up to your policy limit.
The Conflict of Interest
Even though it's 'your' insurance company, in a UM claim, they become your adversary. They want to prove your injuries aren't worth much to save money. You still need a lawyer to fight your own insurance company in these claims.
