"UM" Coverage

Some bad drivers cannot, or refuse to, purchase auto insurance coverage.  Estimates show that the national average of uninsured drivers on our roadways is as high as 15 percent.  Getting into an accident with an uninsured driver can be a nightmare, since it is extremely difficult to recover damages from drivers at fault.

Accidents involving negligent underinsured drivers - those who carry minimum coverages - can be almost as devastating to the innocent driver whose car is wrecked and who faces thousands of dollars in medical bills.

Prudence leads the wise driver to purchase "UM" - uninsured and underinsured motorist - insurance on his or her policy.  These insurances will provide coverage against damages and injuries from accidents involving drivers who have no insurance or have inadequate insurance.  Further, the smart driver will also be sure to purchase more than the minimum "UM" protection that their insurer may offer, since incremental costs may be minimal.

Review your auto insurance policy to be sure you have completed "UM" coverage.  Call your insurance agent or our office with questions.