If you are hit by someone with no insurance and injured you may be covered. You can be covered if your auto policy includes uninsured motorists (UM) coverage. This provision covers your injury-related damages caused by an uninsured driver or by a hit-and-run driver. Underinsured motorists (UIM) coverage protects you in case you’re injured by a driver who has inadequate insurance. Consider raising your UM/UIM limit to match your Bodily Injury limit to protect you from uninsured drivers in the case of an accident.