Why Everyone Should Have Uninsured/Underinsured Motorist Coverage
Have you ever looked at your auto insurance policy and felt overwhelmed. You are not alone! One specific part of auto insurance coverage that often gets overlooked is something called uninsured/underinsured motorist coverage. Let’s break that down and talk about why it is actually one of the most important protections you can have.
What Is It?
Uninsured/underinsured motorist coverage—often shortened to UM/UIM—is an extra protection you can add to your auto insurance. It helps pay for your injuries and damages if you are involved in a car accident and the person who caused the accident either:
Has no insurance at all (uninsured), or
Doesn’t have enough insurance to cover your claim (underinsured).
But Wait—Isn’t That What the Other Driver’s Insurance Is For?
Yes, in theory. Michigan drivers are supposed to carry insurance. But here’s the hard truth: not everyone does. Some drivers let their insurance lapse, some buy the bare minimum, and others drive illegally without coverage at all.
If someone is injured in a car accident caused by an uninsured or underinsured driver, they could be left with little or no recovery at all unless they had UM/UIM coverage. Their pain and suffering could go unpaid—and suing someone who does not have money or assets usually gets you nowhere.
How Much Coverage Should I Get?
Simply put, the more the better—at least $250,000 in coverage is a smart starting point. Some people even go for $500,000 or more, especially if they have a family or a long daily commute.
The good news? It’s not as expensive as you might think. A few extra dollars a month can give you peace of mind that you are covered no matter what.
Final Word
Nobody likes to think about getting into a car accident, but it happens. And when it does, you want to make sure you are not left out in the cold. Uninsured and underinsured motorist coverage is your safety net. It is there when the other driver can’t help you—or won’t.
Not sure what coverage you have? If you would like help reviewing your auto policy or dealing with a car accident case? Reach out to Barkho Law Firm—we’re here to help.
2250 Butterfield Drive, Suite 240, Troy, MI
248-744-6585
Attorneys Who Care