Please have this type of Insurance.

Uninsured/underinsured motorist (UIM/UM) coverage is a type of insurance that provides protection in case you are in an accident with a driver who either does not have insurance or has insufficient insurance to cover the damages. While it is not required by law in all states, there are several reasons why you should consider adding UIM/UM coverage to your auto insurance policy.

 

  1. Protection against uninsured drivers In many states, a significant number of drivers on the road do not have insurance. If you are in an accident with an uninsured driver, you could be left with significant expenses for medical bills, car repairs, and other damages. UIM/UM coverage provides you with protection in case you are in an accident with an uninsured driver.
  2. Protection against underinsured drivers Even if the other driver has insurance, their coverage may not be enough to cover all of your expenses. If you are in an accident with an underinsured driver, UIM/UM coverage can help make up the difference between the other driver’s insurance and the total cost of your damages.
  3. Peace of mind Having UIM/UM coverage can give you peace of mind knowing that you are protected in case you are in an accident with an uninsured or underinsured driver. You can rest assured that you will not be left with significant expenses that could put a strain on your finances.
  4. Low cost UIM/UM coverage is relatively inexpensive compared to other types of auto insurance coverage. Adding it to your policy may only cost a few dollars per month, but the protection it provides can be invaluable.

 

In conclusion, having UIM/UM coverage is an important part of protecting yourself and your finances in case you are in an accident with an uninsured or underinsured driver. It provides you with peace of mind knowing that you are covered, and it is relatively inexpensive compared to other types of auto insurance coverage. If you do not already have UIM/UM coverage, you should consider adding it to your policy to ensure that you are protected in case of an accident.