Uninsured motorist coverage protects you in case of an incident with another driver who’s not carrying sufficient auto insurance. Read our articles below to get all the facts on UM and UIM coverage. From choosing the amount you need, to finding out what your auto insurance policy covers, our expert authors have tips on uninsured motorist coverage and underinsured motorist coverage that every responsible driver should know.

Uninsured Motorist Coverage & Underinsured Motorist Coverage: How your Auto Insurance can Protect you Against Uninsured Drivers.

Uninsured Motorist Coverage & Underinsured Motorist Coverage: How your Auto Insurance can Protect you Against Uninsured Drivers.
By Lori Mandell

Suppose someone totals your car in a rear end accident and you have fairly serious injuries that keep you in the hospital and from doing your job for a month or more.  Who’s going to foot the bill?  That’s what insurance is for, right?  Well, suppose the driver that hit you doesn’t have any, or has only the minimum amount of liability insurance mandated by law?  Most people without auto insurance are comfortable with taking the risk of never being in an accident. This is false confidence, or, to put it bluntly: it is selfish and foolish.

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Uninsured Motorist Coverage: What is Uninsured Motorist Coverage and Why Must You Have It?

Uninsured Motorist Coverage: What is Uninsured Motorist Coverage and Why Must You Have It?
By Lori Mandell

I’m sure you’re not one of them, but unfortunately, there are plenty of drivers out there who hit the highways without any liability insurance. Although it varies from state to state, across the country, if someone is injured in an auto accident, the chances are about one in seven that the at-fault driver is uninsured. (Insurance Research Council study, 2006)  Should you be injured in a car crash with an uninsured, at-fault driver, you can receive compensation for your injury-related expenses from your own insurance policy if your policy provides you with Uninsured Motorist (UM) coverage.  Some policies also offer Underinsured Motorist coverage, (UIM), in case you are hit by a driver who has liability insurance, but does not carry sufficient limits to cover all of your damages.

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