Pays for damages to other vehicles, property (fences, signs, etc.), and injuries to other drivers/motorcyclists and their passengers. This will also pay for legal expenses if you’re sued.
It’s a common question: What happens if someone who doesn’t have insurance hits you? Sometimes, they’ll pay out of pocket for damages. But if they aren’t able to, you may have to pay. UM/UIM protects you from that and can pay for damages to your motorcycle, your injuries/medical bills, and lost wages if you can’t work.
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