Uninsured Motorist and Underinsured Motorist Coverage
Protect Yourself Against Uninsured and Underinsured Drivers
According to the Insurance Research Council, nearly one in every seven drivers is uninsured and many more are considered underinsured. While Pennsylvania law states that you must have car insurance, the minimum requirements are barely enough to cover a trip in an ambulance – let alone a trip to the emergency room.
This is when Uninsured/Underinsured Motorist (UM/UIM) coverage becomes so beneficial. It's an optional form of coverage added to your insurance policy. For a few extra dollars on your premium, you can save yourself thousands of dollars from uninsured and underinsured drivers on the road.
Make sure you protect yourself if they don't have insurance and buy uninsured and underinsured motorist coverage. It's the only thing that's going to protect you.
One of the only coverages on your policy that actually provides you a benefit and in fact it provides you the best benefit is the uninsured and underinsured motorist coverage. The uninsured and underinsured motorist coverage is that coverage you buy on your policy that pays you when the other person doesn't have enough insurance. Probably 50% of my clients don't have the uninsured and underinsured motorist coverage they have because their agent sold them a quote "cheap policy." Interestingly most clients think that full coverage means they have good coverage. What really full coverage means is that if you wrecked your car the insurance company will pay it for the damage to your car. In reality it's anyone who has a car loan needs full coverage so that their bank will be paid off the amount of the damage. That's all full coverage means. The reason you need uninsured motorist coverage and underinsured motorist coverage is because this is the coverage that actually protects you on your policy. The amount it costs you to buy coverage to protect others who are gonna sue you is far more expensive than the cost of coverage that protects you when someone hits you. In other words the uninsured and underinsured motorist coverage is very inexpensive.
Why UM/UIM Coverage is Important
UM/UIM coverage applies to you, as well as family members living in the same household, in the event of a car accident. It doesn't matter whether you're a driver, passenger, pedestrian, or the victim of a hit-and-run – UM/UIM coverage will help pay for the costs related to accidents with uninsured or underinsured drivers.
Our law firm's recommended coverage:
- $100,000 per person
- $300,000 per occurrence
With our recommended coverage limits, you'll be able to protect yourself and your loved ones. If you've ever been injured, you know how quickly medical bills can pile up. UM/UIM can help pay for medical bills, pain and suffering, property damage, and much more.
Remember, you can change your car insurance policy at any time – just call your insurance agent today – before the unexpected happens.
How Uninsured/Underinsured Motorist Coverage Works
Example: If an uninsured driver hits you, what happens?
- By choosing to carry UM/UIM coverage at our recommended levels, your own insurance will pay you for all recoverable damages up to $100,000 per person and $300,000 per occurrence (or more if you decide to stack your coverage).
- If you didn't choose to add UM/UIM, you would have to sue the at-fault driver to recover your damages. In most cases with uninsured drivers, they don't have assets for you to recover money. This could leave you holding the bill.
Injured in a Car Accident? Our Attorneys Can Help
Don't hesitate to call us. There may be time limits to your injury claim. We're standing by 24/7 to get to work for you.