Why You Need Uninsured and Underinsured Motorist (UM/UIM) Coverage: Protect Yourself

Imagine you're driving down the road or riding through your neighborhood when, out of nowhere, you're struck by another vehicle and you are injured. As you begin the process of filing a claim, you discover that the driver who hit you has no insurance or lacks enough coverage to pay for your medical bills. Now what?

 

This scenario is more common than you might think. Many drivers fail to carry adequate insurance coverage, leaving victims to bear the financial burden themselves. This is where uninsured motorist (UM) and underinsured motorist (UIM) coverage become essential safeguards. These optional coverages are in place to protect yourself.

 

The Risk of an Uninsured or Underinsured Driver

 

Despite laws requiring drivers to carry auto insurance, a surprising number of people drive without coverage or with bare-minimum policies ($15,000 per person) that don’t fully cover the costs of an accident. If an uninsured driver injures you, you may be left footing the bill for medical expenses, lost wages, and pain and suffering. Even if the other driver has insurance, their policy limits may not be enough to cover your expenses, especially with the rising costs of healthcare.

 

Coverage for Hit and Run Crashes

 

UM/UIM insurance may be able to cover you if you are injured in a hit-and-run crash. But make sure that you (1) immediately report the crash to the police; and (2) get the medical treatment you need.

 

Affordable Protection Against Medical Debt

 

One of the biggest advantages of UM/UIM insurance is its affordability. For a relatively low cost, this coverage can help ensure that you don't have to go into debt to pay for medical bills or miss out on lost wages due to someone else's negligence. Instead of relying on the other driver’s insurance—or hoping they even have coverage—you can protect yourself proactively.

 

Coverage Extends Beyond Driving

 

Many people assume that UM/UIM coverage only applies when they're behind the wheel, but there is more coverage than you expect. If you're a pedestrian or cyclist and an uninsured or underinsured driver hits you, this coverage may apply to cover your medical expenses and financial losses. Accidents happen in many different ways, and UM/UIM insurance ensures you're protected in multiple scenarios.

 

Take Control of Your Protection Today

 

Car accidents are unpredictable, but your financial security doesn’t have to be. Investing in uninsured and underinsured motorist coverage is a simple and cost-effective way to avoid unexpected medical debt, protect yourself in a crash, and ensure peace of mind. Check your policy today and make sure you have uninsured motorist (UM) and underinsured motorist (UIM) coverage in place — you’ll be glad you did. 

 

At Harriman Law, we fight for our clients, ensuring they receive the support and financial recovery they deserve. Contact us today for a free consultation to discuss your case.