Ins and Outs of Uninsured Underinsured Motorist Insurance

(336) 373-1736

Question: Did you accept or decline the option for uninsured or underinsured motorist protection on your auto insurance policy?

If you declined, we encourage you to rethink your decision. While we understand it is an additional expense, the cost is minimal compared to the risk of out of pocket expenses if you were to need the protection and don’t have it. We are here to help you understand why you’ll be glad that you chose, “yes!”

#1 Reason to obtain coverage – We all like to think drivers on the road obey their state’s insurance coverage laws. Truthfully, that may not be the case and you may be surprised at the number of uninsured or underinsured driving alongside you every time you are on the road.

If you were to have a casualty with one of these drivers, uninsured underinsured motorist insurance protection will cover any expenses that their ill equipped driver’s policy should have covered. Such scenarios would include if you experienced a hit and run accident OR an accident where the other driver is at fault and has no auto insurance coverage at all.

#2 Important Facts about Uninsured or underinsured Drivers:

  • An uninsured person has often not met the financial standards of their state to be able to qualify for insurance OR they may only able to receive very limited insurance coverage.
  • If you have a collision with a driver that is uninsured or underinsured you will be left to take care of your own medical expenses and vehicle repairs.

Good news: If you have made sure that your policy includes Uninsured/Underinsured motorist protection (UM/UIM) you will be covered under your own policy and will not be reliant upon the irresponsible driver.

If you know you don’t have this protection on your auto insurance policy or happen to have any questions about this particular coverage, we will be delighted to help at any twist or turn. We hope to make the difference in your peace of mind.