If an uninsured driver hits you, your own uninsured motorist (UM) coverage pays for your injuries and damages. Without UM coverage, you would need to sue the uninsured driver directly — which often results in uncollectable judgments because uninsured drivers typically have limited assets.
UM coverage is especially important in states with high uninsured driver rates: Mississippi (29%), Florida (20%), Tennessee (20%), and Alabama (20%). Bridgeway Insurance Agency recommends UM/UIM coverage for all drivers in our service states.
