Why Every Driver Should Consider Uninsured/Underinsured Motorist Coverage

• Uninsured Motorist (UM) Coverage: Protects you if you’re hit by a driver with no insurance.
  
  
• Underinsured Motorist (UIM) Coverage: Kicks in when the at-fault driver has insurance, but not enough to cover your damages.

• According to the Insurance Research Council, about 1 in 8 drivers in the U.S. are uninsured.
• In some states, the percentage is even higher.

• A single hospital visit can cost tens of thousands of dollars.
• Without UM/UIM, you may have to pay out-of-pocket if the at-fault driver can’t cover it.

• UM/UIM coverage also protects you as a pedestrian, cyclist, or passenger in another vehicle if hit by an uninsured or underinsured driver.

• In many states, UM coverage also applies if you’re the victim of a hit-and-run accident.

1. Medical Expenses: Hospital bills, surgeries, and rehabilitation.
2. Lost Wages: If injuries prevent you from working.
3. Pain and Suffering: In some cases, compensation for emotional or physical distress.
4. Property Damage (in certain states): Repairs or replacement of your car.

• “I don’t need it because I have health insurance.”
  Health insurance won’t cover lost wages, pain and suffering, or damage to your vehicle.
  
  
• “The state minimum coverage is enough.”
  State minimums are often too low to cover serious accidents, leaving you financially vulnerable.
  
  
• “It’s too expensive.”
  UM/UIM coverage is usually affordable and offers significant protection for the cost.

1. Check State Requirements: Some states mandate UM/UIM coverage, while others make it optional.
   
   
2. Match Your Limits: Many experts recommend setting UM/UIM limits equal to your liability coverage limits.
   
   
3. Review Regularly: Update your coverage as your income, assets, and risk exposure grow.

Uninsured/Underinsured

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