3 Reasons to add Uninsured/Under-insured Motorist (UM) Coverage to an auto insurance policy:

1. If involved in a car accident with someone who is uninsured or does not carry Bodily Injury (BI) coverage, your UM coverage will give you the ability to recover benefits such as future medical expenses, lost wages, and pain and suffering.  
2. If involved in a “hit and run” accident, your UM coverage would act as the insurance for the negligent driver who hit you and you would have the ability to recover benefits such as future medical expenses, lost wages, and pain and suffering.
3. If involved in an accident with a driver that does not have enough Bodily Injury (BI) coverage to cover your personal injury and future medical expenses, lost wages, and pain and suffering, your UM coverage would provide additional benefits.

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