IT’s a great idea to invest in adding a certain coverage to your automobile insurance policy called “UIM / UM” coverage. UIM stands for Under-Insured Motorist, while UM stands for Uninsured Motorist. Especially if you live in Southern California where many people drive without insurance, having this extra add-on to your policy is an awesome investment to protect yourself. Usually the coverage costs a little bit more, but can save you a lot of money if you’re in a car accident. Talk to your insurance agent about it!