Why do I need Uninsured Motorists (UM) coverage?
What is Underinsured Motorists (UIM) coverage?
What if I'm a passenger and I'm injured by an uninsured motorist?
Does my auto policy cover my medical bills?

Why do I need Uninsured Motorists (UM) coverage?
Some drivers don't have auto insurance, even when they're legally required to buy it. And if you're involved in an accident with an uninsured driver, that driver may not be able to pay for your damages. UM coverage protects you and your passengers from injury-related damages caused by either an uninsured driver or a hit-and-run driver. In a few states, damages to your car may also be included.

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What is Underinsured Motorists (UIM) coverage? 
UIM protects you and your passengers when an accident is caused by someone who has auto insurance, but is underinsured.

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What happens if I'm a passenger in a friend's car and I'm injured as a result of an uninsured motorist?
If your friend had Uninsured Motorists (UM) or Underinsured Motorists (UIM) protection, you would be covered under your friend's policy. If your friend didn't have UM or UIM, you would receive protection under your own UM or UIM coverage. Note: Some states specify the order in which policies can be pursued for UM/UIM coverage.

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Does my auto policy cover my medical bills? 
Coverage for accident-related medical bills is optional in some states and mandatory in others. MetLife Auto & Home^®  offers Medical Payments Coverage as well as Personal Injury Protection (PIP) Coverage, depending on the state where you live. Some coverages may include a deductible. You should refer to your policy to see what medical coverages you may have elected to purchase.

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