Uninsured Motorist (UM) Coverage:
Uninsured motorist coverage protects you if you’re in an accident with an at-fault driver who doesn’t carry liability insurance.
Under-Insured Motorist (UIM) Coverage:
Underinsured motorist coverage steps in when you’re in a car accident with an at-fault driver whose liability limits are too low to cover the damage or medical expenses.
Personal Injury Protection (PIP) Coverage:
PIP stands for personal injury protection, and it is an extension of your car insurance which covers medical expenses and, in some cases, even lost wages. It is often called “no-fault” coverage because its inherent comprehensiveness pays out claims regardless of who is at fault in the accident.