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GENERAL
CONSIDERATIONS REGARDING UNINSURED
AND UNDERINSURED MOTORIST COVERAGES |
What is Uninsured and Underinsured Motorist Coverage?
Uninsured motorist (UM) coverage is paid to you or your family members
by your own insurance company, if you are injured by an uninsured
car or if you are the victim in a hit and run accident.
Underinsured motorist (UIM) coverage is paid to you or your family
members by your own insurance company, if you are injured by a driver
who does not have sufficient coverage to pay for all of your injuries.
It is included in your UM coverage.
It is quite often the case that those at fault for auto accidents
do not have sufficient coverage to fully and fairly compensate those
who are injured. In such circumstances, UM/UIM coverage protects
you and your loved ones. We therefore recommend that you purchase
the most coverage available under your policy (that is, an amount
equal to the amount of your liability coverage). Incremental increases
in UM/UIM premiums are relatively inexpensive, and are well worth
the investment.
What is Liability Coverage?
What is the Verbal or Limitation on Lawsuit
threshold?
Different Types of Auto Insurance Policies
(advantages and disadvantages)
Recommendations
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