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Message: <blockquote data-quote="FullAuto" data-source="post: 2042435" data-attributes="member: 5110">That is incorrect.  UM covers you as the driver also.  In fact, your UM will cover you, your spouse and your children if they are riding in someone else's car, if they are on the school bus, if you are a pedestrian and ran over by a car, etc.  It's a pretty broad coverage.  It does not cover property damage though.UM will cover not only medical bills, but lost wages and pain & suffering.  Medical coverage (C) covers medical bills, prescriptions, etc. but not pain & suffering or lost wages.  In some cases, both apply and you can legally double dip (in this state).</blockquote>