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Uninsured Motorists Coverage

Uninsured Motorists (UM) Coverage

Definition

Uninsured Motorists (UM) Coverage — coverage for bodily injury (BI) and, in some states, property damage (PD) incurred by an insured when an accident is caused by a motorist who is not insured. This coverage allows an insured to collect from his or her insurer as if it provided liability coverage for the negligent third party.

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