We are frequently asked what is UM/UIM coverage.
UM = Uninsured Motorist Coverage
Uninsured motorist coverage comes into play when you or your family gets hit by a driver that doesn't have insurance coverage. Unfortunately, even though it is the law, 20% of all drivers in Texas don't have insurance.
Uninsured motorist coverage also comes into play when you are involved in a hit-and-run. This is where you get hit by another vehicle but the other vehicle drives off and you can't find them.
UIM = Underinsured Motorist Coverage
Underinsured motorist coverage comes into play when you or your family gets hit by a driver that doesn't have enough insurance to cover the damages that y'all sustained. For example, we have seen clients come in the door that have amputations, brain injuries, and spinal surgeries, but the other driver only has $30,000 insurance policy. $30,000 is the bare minimum in Texas, and it is not enough to cover the care and impact for a brain injury. This is where underinsured motorist coverage kicks in.
Make Sure You Have It
Most people opt out because they say "I'll never need it". However, all of my clients that have come in my door immediately start calling their insurance agent and requesting UM/UIM be added or increased. You should not be any different. This can protect you when you get hit by an uninsured driver or a minimum policy driver. You will be glad you got it.
If you have any questions about your Texas UIM/UM case, give us a call. That is what we are here for.