Why You Should Consider Adding Underinsured Motorist Coverage to Your Auto Insurance Policy - road, policy, insurance, attorney

Car insurance is an important way to protect yourself, your loved ones, and your car. It can offer a lifeline if you’re ever in an accident and can help pay for damages, medical expenses, and other costs.

But you are not the only one on the road. Insurance is not guaranteed for all drivers. That’s why it’s essential to consider adding underinsured motorist coverage (UIM) to your policy.

Why You Should Consider Adding Underinsured Motorist Coverage to Your Auto Insurance Policy - road, policy, insurance, attorney

Underinsured motorist coverage protects you in the event of an accident with a driver with less insurance than you.

1. Many uninsured motorists are on the roads

According to the Insurance Research Council, 12.6% of American drivers are uninsured. There is a good possibility that you will be involved in an accident with an insured driver.

You may need to sue another driver or go through a lengthy legal procedure to get your reimbursement.

2. Provides Extra Protection For Your Family

If you have a family, it’s essential to consider their safety as well. Your family might not be able get the medical care they require if you’re involved in an accident with an uninsured motorist. This type of coverage can help pay for their expenses if you’re unable to.

3. It is easy to add UIM coverage.

The costs of an accident with an uninsured driver can quickly mount. You could be facing high medical bills, property damage, or other expenses.

UIM coverage can be added to your policy for a reasonable price and could save you a lot in the long-term. It can cover costs your regular car insurance policy might not, so it is worth looking into.

4. It can protect you from legal action

We all know the legal consequences of being in an accident. You have to deal with the other driver’s insurance company, and there is always a chance that you will end up in court. UIM coverage will pay some of these costs. This can help you avoid legal trouble and protect your finances.

5. UIM Helps to Save Money on Auto Insurance Policies

Your UIM coverage can pay for damages if you are involved in a car accident with another driver who is not insured. This means that you don’t have to rely on the other driver’s insurance company, which may not cover all of the costs. This can help you save money when you purchase auto insurance.

Find an Attorney Today

Talk to an experienced motorcycle accident lawyer if your accident involves an uninsured/underinsured driver. They not only have the experience to help you get a favorable outcome but can also advise you about your UIM coverage. If you don’t have UIM coverage, you may be able to increase your policy and get the extra protection you need.

If you want to be fully covered in the event that an accident occurs, then underinsured motorist coverage will do the trick. It can help pay for damages and medical expenses that the other driver’s insurance doesn’t cover, and it can also protect you from legal action. UIM coverage can be affordable and save you money over the long-term. However, it’s important to note that UIM coverage does not replace your car insurance policy. It is an additional insurance policy that provides additional protection in the event that the other driver doesn’t have enough. Ask an experienced motorcycle accident lawyer if there are any questions.

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