What is UIM/UM coverage and why is it important?
UIM and UM refer, respectively, to uninsured and under-insured motorist coverage. This type of coverage acts as a safeguard for drivers who are involved in an auto accident with another driver who is uninsured. When you purchase an insurance plan with UIM and UM coverage, you are guaranteed some degree of compensation after an accident, even if the other motorist has no liability coverage. This means that your insurance company will cover any expenses that the uninsured at-fault driver’s insurance company would otherwise pay. UIM and UM coverage are extremely important to the safety of you and your family. When you purchase UIM and UM coverage, you are protected against financial setbacks such as medical expenses, lost wages, and other losses that you would otherwise incur if the at-fault driver was not insured. Our experienced insurance attorneys will carefully review your policy to ensure that you obtain maximum coverage for your damages.
