what is covered by uninsured motorist insurance 
um coverage has two parts bodily injury and property damage um bodily injury typically pays for medical expenses for you and your passengers and may also pay for lost wages um property damage generally pays to repair or replace your car and other items damaged by the accident the exact coverage terms depend on your state laws and insurance policy so read the fine print 1213the bottom lineuninsured motorist insurance covers medical expenses for you and your passengers and damage to your car after an accident with a driver who doesn t have insurance it s required in some states and available as optional coverage in others uninsured motorist coverage also protects you after hit and run accidents 