Uninsured/Underinsured Motorist Insurance – Here’s a scary truth for you

1 in 8 drivers are uninsured. *

*This is the national average; varies by state.

Have you ever been in an accident? Remember that gut wrenching feeling? Now, imagine the same gut-wrenching feeling multiplied when you discover the person who just totaled your car didn’t have insurance. So, what happens if you are hit by a driver without insurance?

If your insurance does not cover this instance, all of your medical fees and damages will come straight out of your pocket. If you are injured and need to visit a chiropractor to prevent future injury, you will have to pay for it.

The good news is: there’s an insurance for that.

It’s called Uninsured/Underinsured Motorist Insurance (UMI). This is used specifically for drivers that do not have insurance, or enough insurance. You’re covered for bodily injury costs. If the other driver has lower liability limits than you have for UM/UIM, you will be covered for the difference in coverages.

With a recent increase in auto-insurance premiums, more people are getting less coverage to be able to afford the monthly cost of insurance. Some people are refusing to even buy insurance. With more of these drivers on the roads, it’s becoming essential that you cover your own back to reduce the stress from a car accident.

Save yourself the headache and do not overlook this coverage while quoting your automobile insurance policy. The importance of UMI cannot be expressed enough.

 By: KayLynn


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about
our blog writer?

Read more about KayLynn's background.

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Why is Life Insurance Least Expensive for Those Who May Need It Least?

Why the Young and Healthy May Need Life Insurance

The Value of Resilience and Flexibility

Recent Years Have Demonstrated th Value of Versatility

How Long is…?

The Clock is Ticking But do You Know What it Means?

Mr. Cheapo’s Bootcamp

Feeling Squeezed by Monthly Bills?

Common Fears and How to Overcome Them

Do You Have a Fear or a Phobia?

The National Death Index: The Ways We Die

Yes, Our Country Has a Death Index of the Most Frequent Causes of Death

Mathematics, Statistics, Odds and Life Insurance

The Odds of Certain Events Happening in Your Life

The ABC’s of Policy Loans

Learn More About This Potentially Valuable Feature of Your Life Insurance Policy

Keeping Important Documents Safe

Keeping Critical Papers in Their Place

The Things You Do To Protect Your Family

We Work at Protecting Our Families Because They are Worth It