How is one protected from uninsured drivers?

By purchasing uninsured/underinsured motorist coverage. UM/UIM pays for medical bills if you and any occupants are hit by an uninsured motorist or one without enough insurance. Many states require this coverage by law.

How is a vehicle protected from uninsured drivers?

Uninsured/underinsured motorist property damage coverage pays for damage to your vehicle if hit by a driver without any or enough insurance. Some states offer this coverage in place of collision coverage.

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