Uninsured Motorist Insurance
You'll be covered by Uninsured Motorist insurance any time you're involved in an unfortunate incident with someone who doesn't have adequate Liability protection to pay for your damages.
Options for Uninsured Motorist insurance differ significantly from state to state, including obligatory requirements, available limitations, and coverage options. If you’re trying to find the best possible options for your company, our expert agents will be happy to assist you.
Three various insurance coverages are commonly referred to as “Uninsured Motorist” insurance, depending on the state in which you live.
- Underinsured Motorist insurance (UIM)
- Uninsured Motorist Property Damage insurance (UMPD)
- Uninsured Motorist insurance (UM or UMBI)
Insurance for uninsured motorists (UM)
When an uninsured driver causes an accident, the resulting injuries, including medical costs, can be paid for by Uninsured Motorist insurance (UM). A hit-and-run driver can also be covered by your uninsured motorist (UM) policy.
UIM covers medical expenses, lost wages, and other harms caused by an uninsured or underinsured driver for you and your travelling companions. Some states combine UIM with UM.
Uninsured motorist property damage insurance (UMPD)
UMPD insurance covers expenses for harm caused by an uninsured or hit-and-run driver. Depending on your place of residence, you may get coverage for your personal belongings and vehicle.
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Our specialists will explain all available coverage insurance options and help you select the right type that fits your company needs and goals at a reasonable price!
