How to Protect Yourself From Drivers Without Enough Car Insurance
During difficult economic times like these, one of the first things people cut back on is their car insurance coverage. Drivers may lower their coverage limits, or drop their auto insurance all together. If you happen to get into a car accident with someone who doesn't have coverage or doesn't have enough insurance to cover your injuries, you may be in trouble. When the at-fault driver doesn't have enough insurance, you may have to pay for losses you have from the accident - including medical costs.
But there is a way to protect yourself from drivers that don't have enough insurance. When you purchase your car insurance make sure that you have uninsured / underinsured motorist coverage, otherwise known as "UM/UIM" coverage. UM/UIM insurance coverage is added to your standard insurance policy. If you're injured by a driver who doesn't have enough coverage, your UM/UIM coverage will step in and make up the difference between the other driver's policy limit and your UM/UIM limit. It's generally a good idea to make sure your UM/UIM limits match your bodily injury coverage. Making claims under your UM/UIM policy can be confusing, but our free online insurance claim program automates the process of making a UM/UIM claim.