What Happens If the Other Driver Has No Insurance? Your New York UM & UIM Guide
If the other driver doesn’t have insurance, you can still protect yourself through your own UM (Uninsured Motorist) and UIM (Underinsured Motorist) coverage. This ensures your medical bills and damages don’t go unpaid. But the truth is, many people only realize this after an accident when it’s too late to prepare.
Read our blog “What Happens If the Other Driver Has No Insurance? Your New York UM & UIM Guide” to understand how this coverage works and why it matters.
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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.
