Blogs and Resources - LA Insurance

Quick Answer: Underinsured Motorist Coverage (UIM) protects you when the at-fault driver has insurance, but their coverage limits are too low to pay for your injuries. In that case, UIM coverage helps cover the remaining medical bills and lost income.

Quick Answer: Uninsured Motorist Coverage (UM) protects you if you’re injured in an accident caused by an uninsured driver or a hit-and-run driver.

No. You usually cannot fully pause car insurance in the U.S. 

Most states require active insurance coverage on registered vehicles. Because of that, insurers rarely allow a true pause where everything stops, and nothing is paid.