Uninsured motorist (UM) coverage is one of the most critical protections Illinois drivers can have. If you’re involved in an accident caused by a driver who doesn’t have insurance, UM coverage ensures that you’re not left shouldering the financial burden alone. This type of insurance steps in to cover medical bills, lost wages, and other damages that the at-fault uninsured driver cannot pay.
Illinois law requires drivers to carry uninsured motorist coverage, making it a standard part of most auto insurance policies. But how does UM coverage work, and what does it include? Continue reading