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

Life Insurance and Suicide

Suicide is Difficult to Discuss, Especially when Life Insurance is Involved

Should a Stay-at-Home Spouse Carry Life Insurance?

The Importance of Life Insurance on a Stay-at-Home Spouse

Could You Afford a Million Dollar Life Insurance Policy?

A Million Dollar Life Insurance Policy Could be Surprising Affordable

Why You May Need a Physical to Acquire Life Insurance

Life Insurance Can Be Easier Than Ever to Acquire

What You May Have in Common With Pro Athletes

There is a Critical Common Denominator Between Us All

The Value of a Life Insurance “Policy Status” Report

Is a Life Insurance Policy In Force? A Policy Status Will Tell.

A Checklist: Expenses Your Life Insurance Should Cover

See Why You Could Need a Large Amount of Life Insurance

7 Myths of Life Insurance

Misperceptions Shouldn’t Stop You from Getting the Life Insurance You Need

Why Funerals Can Be So Expensive

The Costs of a Funeral Today Continue to Rise. Are You Prepared?

The Role of Life Insurance in Business

Here is Why Life Insurance Can Play an Important Role in Your Organization

Leave a Comment