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ARTICLE · 24 AUGUST 2023

UM/UIM Coverage: What It Is And Why You Need Enough Of It

Ward and Smith, P.A
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But you might be out of luck if you don't have sufficient UM/UIM (uninsured/underinsured motorist) insurance coverage. Approximately one out of eight drivers have no insurance at all.

United StatesInsurance
W. Ellis Boyle
W. Ellis Boyle
Isabelle M. Chammas
Isabelle M. Chammas
A. Charles Ellis
A. Charles Ellis

If you are injured in a car crash that isn't your fault, you expect insurance to cover your medical expenses and related costs from the crash.

But you might be out of luck if you don't have sufficient UM/UIM (uninsured/underinsured motorist) insurance coverage. Approximately one out of eight drivers have no insurance at all. UM/UIM insurance steps in to cover the gap left when the driver causing the car crash has no insurance or does not have enough insurance coverage.

Not all states require their registered drivers to maintain liability insurance coverage. Typically, those that do require only minimum liability coverage limits. North Carolina, for example, requires liability insurance coverage of:

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The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

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