What type of insurance pays personal expenses due to an accident that was the fault of the other driver who did not have sufficient insurance?

Answer 1

Uninsured/underinsured motorist coverage (UM/UIM) would pay for personal expenses due to an accident that was the fault of the other driver who did not have sufficient insurance. This type of insurance provides coverage for medical expenses, lost wages, and other damages if the at-fault driver does not have insurance or their insurance coverage is insufficient to cover the full extent of your expenses.