What is uninsured motorist for and do I need it?
Ted
Lawton OK.
 
Ted,
Uninsured motorists (UM) coverage pays for medical bills if you’re struck by someone who is uninsured or if you’re a victim of a hit-and-rum driver. UM is required in many states.
 
Similarly, underinsured motorists (UIM) coverage kicks in when someone causes an accident [...]