Do I need UM coverage?

Uninsured motorist coverage, or “UM” for short, is designed to protect you in the event of an accident. UM coverage is found on your auto insurance policy. It is coverage designed to pay you for your injuries if the other driver involved in an accident with you has insufficient insurance. In other words, if the at-fault driver has no insurance, your UM coverage will pay for your loss. Likewise, if the at-fault driver does not have enough insurance, your UM coverage will pay a portion of your loss.

Think of it this way: your liability coverage protects the world from your actions. Your UM Coverage protects you from the actions of others. UM Coverage is very important because so many drivers have little or no insurance. If one of these uninsured drivers injures you, you need to be protected. Unfortunately, most people have little or no UM Coverage. Compared to your liability coverage, UM Coverage is cheap and a good value.

A good rule of thumb to follow:
• Buy as much UM Coverage as your budget allows. It’s a good investment in you.
• At a minimum, buy no less than the same limits of UM Coverage as you have for Liability Coverage;
• For example, if you have $100,000 in liability coverage, you should buy $100,000 in UM Coverage.

Uninsured drivers are a real problem. Call us for a review of your UM Coverage.

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