If you are in an accident caused by an uninsured or underinsured driver Uninsured Motorist coverage pays for injuries to you and the passengers in your car. If you are in a No Fault state than Uninsured Motorist Coverage pays after your PIP coverage limits are exhausted. UM coverage does not duplicate the medical benefits you receive from PIP coverage. Your UM coverage begins once the at-fault driver has compensated you to the limits of his/her ability to do so. UM is similar to bodily injury liability in that both pay for physical injuries. The bodily injury portion of your liability coverage is intended to cover injuries you cause to others. UM covers injuries suffered by you or your passengers when another driver is at fault. If you have more than one vehicle insured you may select the option of either of two coverage forms known as Stacked or un-stacked. Stacking is a way to increase you UM coverage see “stacked” and “unstacked”for a detailed explanation of this coverage.
* It is mandatory for the insurance carrier to provide such coverage in some states, such as Illinois, Maryland, and New York.