Uninsured And Underinsured Motorist Coverage – What Is It And Do I Need It?

When you purchase an automobile liability insurance policy, the insurer will likely ask you whether you want “UM/UIM” coverage and at what amount. UM,uninsured) motorist, and UIM,underinsured motorist coverage is extremely important for you and your family. In the event that you are injured in a motor vehicle accident, you would hope that the “at fault” driver has liability insurance that would cover your damages. But what if they don’t? You don’t want to suffer because someone else failed to buy insurance or because someone else purchased the very minimum in coverage which does not come close to covering your injuries. How do you protect yourself and your passengers? Obtain insurance with high enough UM/UIM coverage.

When you buy automobile liability insurance, the insurer may be required to offer you UM/UIM coverage at an additional cost. In fact, if you do not want such coverage, the insurer may be required to obtain your express written rejection of such coverage. Think long and hard before rejecting UM/UIM coverage – that is the coverage that will protect you and your passengers in the event the “at fault” vehicle does not have insurance or enough insurance to cover the injuries of the driver and passengers in your car. You purchase automobile liability insurance to protect others – don’t forget to also protect yourself and your loved ones by obtaining UM/UIM coverage with high enough limits.

In the event of a serious accident, you and your passengers would incur lost wages for time away from work, medical expenses which can be incredibly high depending on the extent of injuries, and time at the hospital and surgery costs add up fast.. These are not pleasant things to think about now, but in the hopefully unlikely event that you are involved in an accident, it would be even worse to be in that situation and also have to worry about financial issues. Think ahead now and hopefully you’ll never have to think back. Protect yourself and your passengers by making sure you obtain UM/UIM coverage with high enough limits.


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