Uninsured/Underinsured Motorist (UM/UIM) Coverage protects you if you’re in an accident caused by a driver who has no insurance or not enough to cover your damages. It helps pay for medical bills, lost wages, and other expenses when the at-fault driver can’t.
UM/UIM coverage is for drivers who want added protection in case they’re hit by someone who doesn’t have adequate auto insurance. It’s especially important in areas with high numbers of uninsured or underinsured drivers. This coverage helps ensure you’re not left with the bill for someone else’s mistake
If you have any questions about this coverage or you are unsure what kind of coverages you need, please contact us.
UM/UIM coverage is required in some states and optional in others. Even where it’s not mandatory, it’s strongly recommended as it can provide critical financial protection after an accident involving an uninsured or underinsured driver.
Scenario:
Mark is driving home when another car runs a red light and crashes into him. The other driver is at fault—but doesn’t have any insurance. Mark suffers a broken leg and his car is totaled.
How UM/UIM Coverage Helps:
Mark’s uninsured motorist coverage kicks in to pay for his medical expenses, car repairs, and lost income while he recovers. Without it, Mark would have to cover those costs himself.
Holly can educate you on commercial truck insurance no matter what you are hauling. We assist long-haul and short-haul truckers, Hazmat Carriers, Fleets, etc.
Zach is dedicated to serving all of his clients to the best of his ability. He will always shop his clients to maintain the lowest possible premiums with the best coverage.
Erica is our Renewal Specialist so there is a good chance that you will be speaking with her when your renewal comes up. She is professional, knowledgeable and fully capable of answering any questions you have.
Let our commercial truck insurance specialists provide a quote to our preferred markets.
