Uninsured Motorist (UM) Coverage

What it means

An optional auto insurance coverage that pays for your injuries if you’re hit by a driver who has no insurance. Required to be offered in Arizona but can be rejected in writing.

Arizona context

Arizona requires insurers to offer UM coverage, but drivers can reject it in writing. Arizona’s mandatory liability minimums are 25/50/15, but many drivers carry only the minimum or drive uninsured.