Uninsured Motorist Coverage (UM) is used when the person who hits your car does not have insurance, or it was a hit-and-run. St. Louis, Missouri Personal Injury Lawyer Joshua P. Myers explains UM coverage in this short video. For more information, visit his injury website at www.JoshMyersLaw.com or call for a free consultation at 888-956-2487 Distributed by Tubemogul.