Uninsured Motorist Coverage (UM)

Uninsured Motorist Coverage (UM)

Definition

Uninsured Motorist Coverage (UM) refers to an important aspect of an insurance policy that provides protection if you are involved in an accident with a driver who does not have auto insurance or whose insurance is insufficient to cover your damages. This type of coverage helps pay for medical expenses, lost wages, and other damages caused by an uninsured or underinsured driver.

How It Works

When you purchase an auto insurance policy, you have the option to include Uninsured Motorist Coverage (UM). If an accident occurs and the at-fault party lacks proper insurance, your UM coverage steps in to cover costs that would otherwise come out of your pocket. The coverage may apply to injuries sustained by you, your passengers, or sometimes even while you are a pedestrian. It is typically paired with Underinsured Motorist Coverage (UIM) to provide comprehensive protection.

Why Plainview, NY Residents Should Know This

In Plainview, the combination of high tourist traffic and flood-prone streets can contribute to an increased risk of vehicle accidents. Some drivers may be uninsured or lack adequate coverage, which makes Uninsured Motorist Coverage particularly valuable. By understanding and selecting proper UM coverage, residents can safeguard against financial strain following a collision with an uninsured driver.

What This Means for Your Coverage

Having robust Uninsured Motorist Coverage ensures that you are not left vulnerable if another driver's lack of insurance puts your finances at risk. It complements other essential policies like Auto Insurance, and can be an important consideration when bundling protection with Umbrella Insurance or even Homeowners Insurance to create comprehensive personal coverage. Thinking of UM coverage as part of your overall risk management strategy helps ensure you and your family are protected from financial loss after an accident with an uninsured motorist.

Expert Tip

The insurance professionals at Edward Lehmann Agency in Plainview, NY recommend reviewing your policy limits regularly. Ensuring your Uninsured Motorist Coverage aligns with your standard liability limits is a smart move, providing peace of mind in unpredictable driving conditions common in the Plainview area. Speak with a member of Edward Lehmann Agency to make informed adjustments based on your current needs.