Car insurance glossary
What is uninsured motorist coverage?
Uninsured motorist coverage can pay covered losses when an at-fault driver has no liability insurance.
Also called: UM coverage
Glossary date: February 9, 2026
How it works
Depending on the state and policy, it may cover injuries, property damage, or both. Hit-and-run requirements also vary.
Example
An uninsured driver causes a crash that injures you. Your uninsured motorist bodily injury coverage may respond up to its limit.
Why it matters
An at-fault driver may lack insurance or may be impossible to identify after a hit-and-run.
What to check on your policy
Confirm whether the policy includes bodily injury, property damage, or both, plus any deductible and hit-and-run conditions.
Related car insurance terms
Put the terms into context
Read the full guide, find a nearby GoAuto office, or start a quote with the coverage details you want to discuss.