Uninsured motorist coverage will cover you for any medical expenses, pain and suffering experienced, or wages lost as a result of time off work from your injuries if you get into an accident with an at-fault driver who doesn’t carry liability insurance. With the uninsured motorist coverage policy you will also be protected in the event of a hit-and-run accident. Many states require a minimum amount of uninsured motorist coverage, but you can select higher limits if you so choose. It is important to know your options. In most cases, UM coverage will have a split limit meaning that the coverage will be different depending on how many people are injured in the accident. For example, it may cover up to $15,000 per injured person. You can purchase a combined single limit if you would prefer. This would be one amount that your insurance company will pay for all injuries that occur in an accident. Most UM plans do not require property damage coverage, and sometimes it is not even offered in the state, but if it is available in your area it might be a good idea to consider. In addition to paying for any damages to your vehicle, this coverage may also cover damage to other personal property like your house, fence, or other small personal items like your cell phone or laptop.