Uninsured or underinsured motorist coverage can pay for damages to you and your passengers when there is an accident and the other driver is both legally responsible for the accident and considered "uninsured" or "underinsured."
An uninsured driver is someone who did not have any insurance, had insurance that did not meet state-mandated minimum liability requirements, or whose insurance company denied their claim or was not financially able to pay it. A hit-and-run driver also counts as uninsured.
An underinsured driver is someone who met minimum legal financial responsibility requirements, but did not have payment limits high enough to cover the damage they caused. In these cases, UM or UIM can pay you for your damages.