UM and UIM (used here interchangeably) insurance pays if you, your passengers or family members are injured by another driver who is “at-fault” and does not have bodily liability insurance, or has insufficient liability insurance to cover the total damages sustained by you. This applies whether you are riding in your car, someone else’s car or are struck by a car while a pedestrian. UM/UIM pays for medical expenses, lost wages and for bodily injury, sickness, disease or death resulting from a car accident, beyond your PIP auto coverage.
When you purchase UM/UIM auto insurance, you want to elect to “stack” the coverage. Generally, this means that the limits of your UM coverage is multiplied by the number of vehicles on the policy of insurance. The extra premium cost is nominal, if any, for that much more insurance coverage for yourself when you need it.
Call my office or e-mail to email@example.com for a free explanation of your auto insurance policy and how your current coverage protects you and your family.
Thursday, February 3, 2011