What is Uninsured/Underinsured Motorist Protection (UM)?

This coverage provides coverage to protect you and your family. It provides for payment of remaining medical expenses and lost wages that you may have, payment for bodily injury, pain and suffering, loss of enjoyment of life, disability, and other non-economic damages that have been incurred as a result of the negligence of another person who lacks bodily injury liability coverage or fails to carry enough coverage to pay for your losses.