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How Uninsured Motorist (UM) Insurance Works

You have serious injuries from an auto accident and you find out the person who hit you has no insurance. What should you do? In the previous video, Jon discussed UIM coverage. Here he goes further to discuss UM coverage. You may recover insurance benefits. It’s your UM or Uninsured Motorist Coverage that you bought. This is insurance that insures you for being injured by someone with no insurance. Recovery goes to your insurance company. The good news is this can’t hurt your premiums.

How Uninsured Motorist Protects You

It protects YOU and YOUR family from going uncompensated for the suffering caused by an uninsured, financial irresponsible motorist. It’s important that you do not waive it. In addition, don’t take UM coverage in an amount lower that your bodily injury liability coverage.

Learn more about UM coverage by listening to Jon give examples of how UM can be beneficial for you and your family.

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