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Uninsured/Underinsured Motorist (UM) coverage covers you when you are not at fault for a crash and the other driver does not have any liability coverage or not enough to compensate you for your personal injury and/or losses. Your UM coverage...

Your PIP - Personal Injury Protection - coverage under your own automobile insurance polity is primary in covering your medical expenses after you have been in a wreck. It does not matter whether you were at fault for the crash...