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This also includes hit-and-runs. You’re legally required to have Liability coverage to operate a vehicle in all 50 states (unless you live in New Hampshire). But some drivers on the road are underinsured, or completely uninsured. If you’re in an accident with someone who is underinsured or uninsured, that can mean bad news for you (and your wallet). That’s where Uninsured and Underinsured Motorist coverage (UM/UIM) comes in.","marks":[],"data":{}}],"data":{}}]}},"asset":{"title":"Root caret up orange","file":{"url":"//images.ctfassets.net/pacigpl3aj13/6aDweWA7MfScHrAZbKQtj/4c1ef9ae60a3c4f1c5c1ca85333ee275/Union_2x.png"}},"iconAltText":null,"callToActionButton":null,"form":null}]},{"sys":{"type":"Entry","revision":4,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"imageToutSideBySideSection"}}},"id":"af1cb71b-1994-5bc8-a5e7-0a68e11e4236","toutLayoutHorizontal":"Image left","toutLayoutVertical":"Align center","backgroundColor":"White","imageSize":"Small","imageAlignmentHorizontal":null,"image":{"gatsbyImageData":{"images":{"sources":[{"srcSet":"//images.ctfassets.net/pacigpl3aj13/3euaYv6Ju1rtfZBzkp5Lxw/b5877f8785a70af0fe7eaf45b57be616/whiteCarCollidingWithOrangeCar.png?w=750&h=456&q=95&fm=webp 750w,\n//images.ctfassets.net/pacigpl3aj13/3euaYv6Ju1rtfZBzkp5Lxw/b5877f8785a70af0fe7eaf45b57be616/whiteCarCollidingWithOrangeCar.png?w=1080&h=657&q=95&fm=webp 1080w,\n//images.ctfassets.net/pacigpl3aj13/3euaYv6Ju1rtfZBzkp5Lxw/b5877f8785a70af0fe7eaf45b57be616/whiteCarCollidingWithOrangeCar.png?w=1366&h=831&q=95&fm=webp 1366w,\n//images.ctfassets.net/pacigpl3aj13/3euaYv6Ju1rtfZBzkp5Lxw/b5877f8785a70af0fe7eaf45b57be616/whiteCarCollidingWithOrangeCar.png?w=1382&h=841&q=95&fm=webp 1382w","sizes":"100vw","type":"image/webp"}],"fallback":{"src":"//images.ctfassets.net/pacigpl3aj13/3euaYv6Ju1rtfZBzkp5Lxw/b5877f8785a70af0fe7eaf45b57be616/whiteCarCollidingWithOrangeCar.png?w=1382&h=841&q=95&fm=png","srcSet":"//images.ctfassets.net/pacigpl3aj13/3euaYv6Ju1rtfZBzkp5Lxw/b5877f8785a70af0fe7eaf45b57be616/whiteCarCollidingWithOrangeCar.png?w=750&h=456&q=95&fm=png 750w,\n//images.ctfassets.net/pacigpl3aj13/3euaYv6Ju1rtfZBzkp5Lxw/b5877f8785a70af0fe7eaf45b57be616/whiteCarCollidingWithOrangeCar.png?w=1080&h=657&q=95&fm=png 1080w,\n//images.ctfassets.net/pacigpl3aj13/3euaYv6Ju1rtfZBzkp5Lxw/b5877f8785a70af0fe7eaf45b57be616/whiteCarCollidingWithOrangeCar.png?w=1366&h=831&q=95&fm=png 1366w,\n//images.ctfassets.net/pacigpl3aj13/3euaYv6Ju1rtfZBzkp5Lxw/b5877f8785a70af0fe7eaf45b57be616/whiteCarCollidingWithOrangeCar.png?w=1382&h=841&q=95&fm=png 1382w","sizes":"100vw"}},"layout":"fullWidth","width":1,"height":0.6085383502170767,"placeholder":{"fallback":"data:image/jpeg;base64,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"}}},"mobileImage":null,"imageAltText":"White car crashed into an orange car, white car was damaged","eyebrow":null,"headline":"Here’s how it works","body":{"json":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Let’s say you’re in an accident with someone who is underinsured, and the accident isn’t your fault. In this case, the accident caused $15,000 worth of damage to your vehicle, but the driver only has $5,000 of coverage. That means the extra $10,000 would be your responsibility.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Similarly, let’s say you’re in the same accident (it’s still not your fault), but this time, the driver is driving without insurance. The $15,000 of damage from the accident falls on you to pay, even though the accident wasn’t your fault. 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","marks":[],"data":{}},{"nodeType":"hyperlink","content":[{"nodeType":"text","value":"Collision","marks":[{"type":"underline"}],"data":{}}],"data":{"uri":"https://www.joinroot.com/coverage/collision/"}},{"nodeType":"text","value":" coverage protects you in similar situations, but it does ","marks":[],"data":{}},{"nodeType":"text","value":"not","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" cover any medical expenses as Uninsured Motorist Bodily Injury (UMBI) or UIM Bodily Injury would. 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