According to the Arizona Department of Insurance Uninsured Motorist coverage protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has no liability coverage.
There is also Underinsured Motorist coverage which protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has insufficient insurance to cover the injuries of you or your passengers.
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Uninsured motorist coverage (or UM) provides coverage for your medical bills, loss of earnings and pain and suffering if you suffer injuries as a result of a negligent motorist who lacks liability insurance, including a hit-and-run driver. Underinsured motorist coverage (or UIM) provides coverage in the event that your damages exceed the negligent driver's liability coverage.
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