Other drivers on the road may not carry insurance, or the insurance coverage they have may not fully cover any damages you suffer. To protect yourself, uninsured motorist (UM) and underinsured motorist (UIM) insurance policies are key. While we do not advocate for insurance companies whatsoever, these forms of insurance may prove critical to you when recovering damages sustained in a serious accident.
UM and UIM coverage provides extra protection in the event of an accident with:
- A driver who doesn’t carry any liability car insurance
- A driver who doesn’t have enough liability insurance to cover your medical bills
- A driver whose insurance company denies coverage or goes out of business
Uninsured motorist coverage will vary between providers, but standard coverage includes:
- Medical bills
- Lost wages if you can’t work because of the car accident
- Pain and suffering compensation
- Funeral expenses
- In some states, car damage, known as uninsured motorist property damage coverage
If you have follow-up questions. Send 'em our way.