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Uninsured Motorist (UM/UIM) coverage protects you when the at-fault driver has little or no insurance — and it’s one of the cheapest upgrades on your policy. A few things almost no one knows 👇 • UM/UIM can cover medical bills, lost wages, and pain & suffering • It applies to hit-and-run accidents in many states • Your UM limits should usually match your liability limits • Stacking coverage (in some states) can dramatically increase payouts • “Full coverage” does NOT mean you’re fully protected
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