Definition
Uninsured motorist insurance is auto insurance coverage that helps pay for injuries or damages if you are hit by a driver who has no insurance (and sometimes if they have insufficient coverage).
Why It Matters
It protects drivers financially from risks created by uninsured or underinsured motorists and can prevent large out-of-pocket costs after accidents.
Example
A driver is hit by an uninsured motorist, and their uninsured motorist coverage pays medical bills.