Uninsured Motorist Insurance (UM), or also known as Uninsured Motorist Bodily Injury (UMBI) insurance, is coverage that will help cover the costs of your and your passengers’ medical bills in the case of an accident with an uninsured, at-fault driver. UM insurance will also reimburse you and your passengers for any lost wages during this time. Uninsured Motorist Insurance will also help if you were a pedestrian that was hit by an uninsured driver, or you are the victim involved in a hit-and-run accident. Uninsured Motorist Property Damage (UMPD) coverage will help in the matter of seeking damages to your car or property. UM insurance covers and protects what happens to you and your passengers in an accident, but not necessarily your property. To have this option, you will need UMPD coverage to aid in these types of situations; check with your local insurance provider to see if this is available in your state. With UMPD coverage, you will get paid for the damages to your vehicle caused by the uninsured at-fault motorist, and will generally pay for any other damages done to personal property, such as your house or your fence.