Every year many clients, friends, acquaintances, find out why I have been lecturing for years on the importance of having enough Uninsured/Under-Insured Motorist coverage. If I write too much, talk too much about it, people tune out, so all I will write here is this:
Uninsured/Underinsured Motorist coverage is the MOST IMPORTANT coverage there is.
You can control how you drive. You have no control over how others drive.
If your vehicle gets hit, and you get injured, you can only collect from the other driver their liability insurance limits. If they have 15K, or 25K, or 50K, no matter how badly injured you are, no matter how high your medical bills are or will be, no matter your loss of earnings, you can only collect the other driver’s limits,
UNLESS YOU HAVE HIGHER UM/UIM COVERAGE
THAN THEY HAVE LIABILITY COVERAGE
Very sad to have clients who had broken bones, injured discs, scarring on face or body, hospitalization for days, or weeks, or months, who could only collect 15K, or 25K, or 50K(less legal fees and medical bills) only because they did not purchase enough UM/UIM coverage.
Email me, or call me, and I will let you know how to check on your coverage and what you may be able to afford for much better coverage. No, I do not sell insurance, or have any interest in any company. I do have an interest in not having to tell people that I am sorry, but they cannot get anything close to what their injuries are worth because their insurance salesperson did not explain UM/UIM.