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/Underinsured Motorist Coverage: What is it and Why is it Important?

Uninsured/Underinsured Motorist Coverage: What is it and Why is it Important?
By Helga E. Schauer

Of all the insurance coverages on your policy uninsured/underinsured motorist coverage is the most critical. Since vehicles can be sold without an insurance policy in place to protect those who may be injured, by such a conveyance, or insured for minimal limits and/or inadequate limits, it is vital that there be some way to assure that victims of such an event have some recourse.  These instances are when the “uninsured/underinsured motorist coverage” on your auto insurance policy comes into play. 

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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.

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