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.

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.

Read More

Uninsured/Underinsured Motorist Coverage: What is It? Why Should You Have It? How Much Should You Have?

Uninsured/Underinsured Motorist Coverage: What is It? Why Should You Have It? How Much Should You Have?
By Cameron Jones

Uninsured/Underinsured Motorist coverage is an optional coverage one can, and should, carry on their auto insurance policy. Because it’s not mandatory, it’s something that’s often disregarded while shopping for insurance. If you’re looking to save money on your auto insurance by not purchasing uninsured/underinsured motorist coverage you’re exposing yourself and your passengers to serious risk that could end up costing everyone in your car a lot of money.

Read More