Do You Need Uninsured/Underinsured Motorist Coverage (UM/UIM)?
It is generally highly recommended to hold uninsured or underinsured motorist coverage to protect you if the other at-fault driver doesn’t have enough insurance to cover your expenses. This coverage will also cover you after a hit and run. When choosing a coverage amount, when it comes to UIM/UM limits, it is suggested to match the coverage limits that you have selected for your liability insurance.