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hi this is melissa the insurance exam queen and were going to talk about part c on the auto policy so on your personal auto policy you have part a liability which is for other people you have part b medical payments which is for you and your passengers and then you have part c which is known as uninsured or underinsured we abbreviate uninsured as um and we abbreviate underinsured as uim and that m is for motorist so uninsured motorist underinsured motorist now uninsured motorist means no insurance so this means that if you were in an accident with someone else and they hit you so someones car hit you and they had no insurance so they have no part a to pay to you you would use your own part c to pay your medical bills for uninsured motorists so if youre hit by someone who has no insurance they would be uninsured and then the payments would pay out just like part a pays out to other people now uim which is underinsured motorist is um where theres not enough insurance so this is wher