What Is the Difference Between Uninsured and Underinsured Motorist Coverages?
Uninsured Motorist (UM) coverage protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has no liability coverage. Underinsured Motorist (UIM) coverage protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has insufficient insurance to cover the injuries of you or your passengers.
If Everyone in Arizona Is Required to Purchase Liability Coverage, Why Do I Need Uninsured Motorist Coverage?
Even though the law requires all motorists in Arizona to carry liability insurance, not all Arizona motorists have liability coverage in force. Also, motorists may come into Arizona from other states or countries and not have liability coverage on their vehicles.