Protect Yourself with Uninsured Motorist Coverage
Uninsured drivers are a huge problem across the United States. Each year billions are paid out in uninsured motorists claims. Even though uninsured motorists have steadily declined over the past decade, some states still have one in four drivers driving without insurance. You can protect yourself with an insurance coverage called uninsured motorist coverage.
Uninsured motorist coverage (often times referred to as UM, UIM, or UMBI coverage) is required in some states, so check with your insurance agent if you already have this coverage. In some states, UM is optional but certainly a good idea to carry. If you’re injured or are involved in an accident with an uninsured motorist, this coverage will help protect you, get your vehicle repaired and can even pay your medical bills as well as act as insurance in case of a lawsuit if you’re badly injured.
Uninsured coverage comes in many forms, all meant to protect you in case you’re involved in an accident with an uninsured motorist. When reading these coverages, please keep in mind that the policies and laws vary by state.
Uninsured Motorist Bodily Injury
This coverage may pay for damages when a covered person is injured and the person at fault for the accident does not have liability insurance.
Underinsured Motorist Bodily Injury
This coverage may pay for damages when a covered person is injured and the person at fault for the accident does not have enough liability insurance.
Uninsured/Underinsured Motorist Property Damage
This coverage may pay for damages when a covered vehicle is damaged and the person at fault for the accident does not have liability insurance or does not have enough liability insurance.
UM coverage varies by state so if you’d like to learn more about UM coverage, simply contact to learn more.
If you have any questions, call the insurance agents at Safeguard Insurance in Las Vegas, NV. They offer a wide range of business and personal insurance products to find the right type of coverage for you, your family, and your business. They’ll find you discounts to make your coverage affordable, and further savings when you combine insurance policies. The agents are here to help with expert advice.