Auto insurance policies must provide uninsured motorist limits of $25,000/$50,000. Consider raising UM protection if your policy has higher liability limits, as uninsured motorist and bodily injury limits should match. UM pays injury-related damages, including medical bills, lost wages, or pain and suffering when the at-fault driver has no insurance.

Underinsured motorist protection pays the difference between the at-fault driver's bodily injury and your UIM. It pays crash-related medical bills, lost wages, or pain and suffering. UIM is not necessary on policies with minimum uninsured motorist protection. Raising UM protection above $25,000/$50,000 adds UIM, as these limits must match.

UM and UIM will not pay for repairs to your vehicle. Also not covered are your crash-related legal fees and expenses over the policy limit.