What are "um" benefits?

"UM" benefits are uninsured motorist insurance (UM) benefits. UM benefits or coverage protects you if a driver who does not have any insurance injures you. The uninsured motorist insurance that you have bought from your insurance company will then pay you damages to the limits of the uninsured motorist coverage that you bought.  You should buy all the "UM" benefits or UM coverage that you can afford.