Increase Your UM/UIM Coverage

Increase Your UM/UIM Coverage!
Bobby Lott

Due to the troubled economy, chances are there will be more and more uninsured and underinsured motorists on our highways.

Most if not all states now require drivers to carry liability insurance, but despite that fact, many do not comply.

Normally UM/UIM coverage must be in your policy unless you opt out in writing.

To protect yourself and your family, you should get with your insurance agent and increase your uninsured (UM) and underinsured (UIM) motorist coverage.

You can typically carry an amount equal to, but not greater than, the amount of your liability coverage.

So if your liability coverage is 100/300, which is common ( $100,000 for each person, $300,000 for the entire accident) , you can carry up to $100,000 in UM/UIM coverage.

The cost for this extra coverage is minimal compared to other insurance.

This is especially important if you have no health insurance. If that were case, and you were injured, you would have no other source for big medical payments but your auto policy's medpay and UM/UIM coverage.