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At Martin Insurance Team in Evergreen Park, IL, we frequently encounter clients asking if it’s important to have uninsured and underinsured motorist coverage on their auto insurance policy. The answer is a resounding "YES!" When you’re on the road, you can’t be sure if the driver next to you has sufficient insurance coverage to cover damages if they cause an accident that harms you or your vehicle.
Understanding Uninsured Motorist Coverage
Uninsured motorist (UM) coverage is an additional feature you can add to your policy to ensure you and your passengers are protected if you’re involved in an accident caused by an uninsured driver. This coverage will cover bodily injuries to you and any passengers up to the policy limits and repair any damage to your vehicle. However, this coverage is subject to policy limits (usually mirroring but not exceeding your liability bodily injury and property damage limits). Under UM coverage, you are required to pay a property damage deductible to have your vehicle repaired.
Understanding Underinsured Motorist Coverage
Underinsured motorist (UIM) coverage applies when the party at fault for the accident doesn’t have enough liability insurance for bodily injury and property damage to cover the extent of the injuries and damages they caused. UIM will pay up to the policy limits (typically below or at the same limits of liability you carry).
For More Information
To learn more about uninsured and underinsured motorist coverages or if you have other questions about your auto insurance policy, give us a call at Martin Insurance Team in Evergreen Park, IL, at (780) 330-4404. We also have offices in Fort Myers, FL, and service the Cape Coral, Bonita Springs, and Naples areas.
