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  • Writer's pictureAlan Romero

Uninsured / Underinsured Motorist

Updated: Feb 28

What is it? Additional coverage available on your auto insurance policy to cover injuries, medical bills, pain and suffering, lost wages, even medical insurance deductibles when the at-fault driver carries too little or no insurance.

Why do you need it? Sudden and unexpected expenses from an auto accident not covered by insurance can ruin even the most sound financial plan. This coverage is highly recommended for those who carry no or minimal medical payments (MedPay) coverage or no health insurance.

What does it cost? On average, Uninsured/Underinsured Motorist (UM/UIM) coverage could run you around $20 a month, more or less depending on how much coverage you select. A small price to pay when you need your insurance most.

UM/UIM Property Damage is also available to cover damage to your vehicle when the at-fault driver carriers too little or no insurance to cover damages to your vehicle. UM/UIM Property Damage can be extremely beneficial for those who carry no comprehensive or collision coverage.

Protect yourself and your vehicles with UM/UIM, the risk of not having this coverage is simply too high.

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