How Long Is A UM Rejection Valid? 
Only one UM rejection letter at the start of the policy is needed . Your coverage will stay like this until you request to add the coverage to your policy . `` Full coverage '' -LRB- I 'm not a fan of that term -RRB- has nothing to do with UM coverage . Full coverage refers to having comprehensive and collision coverage on your vehicle . The reason you sign a UM rejection letter is to acknowledge that you were offered UM coverage , but did n't want it . A lot of injured drivers later go on to file suit against their agent , claiming that they were n't offered coverage . This rejection letter simply covers the agent from that happening . 