UM coverage is essential

UM insurance covers accidents where the other driver either has no insurance (known as uninsured motorist coverage), or not enough insurance (known as underinsured motorist coverage) to cover the injuries and property damage caused by the accident.

Too many people choose the lowest policy available. Minimal policies will only cover injuries that are not catastrophic or severe. With the ever increasing medical costs of healthcare today, having UM coverage to cover serious injuries can prove to be essential to recovering in such an accident.