How UM & UIM Coverage Protects You When the Other Driver Has No Insurance in New York

UM and UIM coverage steps in to cover your losses when the at-fault driver has little or no insurance. It acts like a safety net, giving you peace of mind on the road. The problem? Most drivers don’t know what’s actually included in their policy until they’re in a crash.
Read our blog “How UM & UIM Coverage Protects You When the Other Driver Has No Insurance in New York” to see how this coverage safeguards your rights.

https://www.yassilaw.com/post/....when-the-other-drive

UM (Uninsured Motorist) coverage pays for your injuries and losses if the at-fault driver has no insurance at all.
UIM (Underinsured Motorist) coverage applies when the other driver has insurance, but it’s not enough to cover your full medical costs and damages.