Uninsured and Underinsured Motorist Claims
Uninsured Motorist (UM) Coverage is the cheapest and most valuable insurance you can buy.
This is because it protects you and your family. If you are in an accident and the other at fault driver did not have insurance, then your own UM coverage kicks in.
In other words, your own company stands in the shoes of the other driver and is liable to you for such things as your pain and suffering as well as loss of enjoyment of life.
Everyone has UM coverage unless they specifically reject UM coverage in writing, which no one should ever do. It is in addition to other benefits you may have to protect you, such as med pay coverage.
UM coverage also includes Underinsurance (UIM) benefits, which pays you when the other party has insurance, but it is insufficient to cover all of your damages.
Best of all, making a claim for UM/UIM benefits will not cause your rates to go up. In cases of accidents, insurance premiums only go up for at fault drivers.
Insurance companies are often reluctant to tell you about your UM or UIM benefits when you are in an accident or to pay you a fair settlement under this coverage for your injuries.
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