Uninsured/Underinsured Motorist Coverage (UM/UIM)

 

At Insurance Now For Less, we believe your protection shouldn’t depend on someone else’s responsibility. Uninsured/Underinsured Motorist (UM) Coverage is designed to protect you, your passengers, and your vehicle when the at-fault driver doesn’t have insurance—or doesn’t have enough.

  • What Is UM Coverage?

    UM coverage steps in when you’re involved in an accident caused by a driver who either:

    –   Has no insurance at all (Uninsured Motorist)

    –   Has insufficient liability coverage to pay for your damages (Underinsured Motorist)

    –    Flees the scene (Hit-and-run driver)

    Even though auto insurance is legally required in most states, many drivers on the road are either uninsured or underinsured. UM coverage helps cover your costs so you’re not left paying for someone else’s mistake.

  • What Does UM Coverage Pay For?


     Depending on your policy, UM coverage may help with:

    –    Medical expenses for you and your passengers

     –   Lost wages due to injury-related time off work

    –   Pain and suffering or long-term rehabilitation costs

    –    Vehicle repairs in some cases (varies by state and policy)

     

  • Why You Need UM Coverage

     

    –   Essential financial protection in high-risk situations

    –   Covers hit-and-run accidents when the at-fault driver can’t be identified

    –   Minimizes out-of-pocket costs when the other driver lacks proper insurance

    –   Provides peace of mind knowing you’re covered even if others aren’t

  • Is UM Coverage Required?


    UM coverage is mandatory in some states and optional in others—but it’s always a wise addition to your policy. Talk to our agents to find out if it’s required in your area and how much coverage is right for you.

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