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Resources Insurance Dictionary Uninsured Motorist Coverage (UM) - Definition of the Insurance Term Uninsured Motorist Coverage (UM)
Uninsured Motorist Coverage (UM)
A coverage in an automobile insurance policy under which the insurer pays damages to the insured for which another motorist is liable if that motorist has no liability insurance. This coverage usually applies to bodily injury damages only. Injuries to the insured caused by a hit-and-run driver are also covered.
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