Underinsured Motorists Explained: Are You Fully Protected?

Understanding Underinsured Motorist Coverage: A Must for Every Driver

Accidents happen. But what if the at-fault driver doesn’t have enough insurance to cover your medical bills or car repairs? That’s where underinsured motorist (UIM) coverage steps in—and it’s a safeguard every driver should consider.

What Is Underinsured Motorist Coverage?

UIM coverage protects you when the at-fault driver’s insurance falls short. For example, if their policy covers $25,000 in damages but your medical bills total $50,000, UIM can help bridge the gap. It’s different from uninsured motorist (UM) coverage, which applies when the other driver has no insurance at all.

Why UIM Coverage Matters

• Medical Bills Add Up Fast: Hospital stays, surgeries, and rehab can quickly exceed basic liability limits.
• Repair Costs Are Rising: Modern cars are expensive to fix, and repairs can easily outpace what the at-fault driver’s policy pays.
• Protect Your Finances: Without UIM coverage, you might end up paying out of pocket for costs the other driver can’t cover.

How UIM Coverage Works

After the at-fault driver’s insurance pays its maximum, your UIM coverage kicks in to cover the remaining costs—up to your policy’s limit.

Do You Have UIM Coverage?

It’s worth checking your policy. If you’re unsure, consult with your insurance agent to add or adjust coverage to suit your needs.

Accidents are stressful enough. Don’t let insufficient coverage add to the burden—contact us today for a free policy review.