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What is the purpose of obtaining uninsured or underinsured motorist coverage?

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Uninsured/underinsured motorist coverage also known as UM coverage, is the type of coverage that you can buy by paying an additional premium with your insurance company to protect yourself, should you ever be the victim of a motor vehicle crash that involves an uninsured motorist or an underinsured motorist. It is a tremendous type of insurance to protect yourself and your family, God forbid, you’re ever the victim of a crash caused by somebody that has no insurance or has a little amount of insurance.

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