A. Purchasing uninsured/underinsured motorist (UM/UIM) coverage can protect you against uninsured drivers. In many states, UM coverage is required by law.UM coverage will pay for medical bills and pain and suffering if you are hit by an uninsured driver. In some states, UM property-damage coverage is available. If your car is crunched by an uninsured driver and you have UM property-damage coverage, you’ll be able to get your car fixed under this coverage, rather than using your collision coverage.

Generally speaking, UM property-damage coverage carries a lower deductible than collision coverage.