Most of our readers know that our work often involves helping people injured in auto wrecks. We often get a puzzled face as a response when we ask, “How much UM coverage do you have?” Often, clients do not even know that UM/UIM is Uninsured/Underinsured Motorist Coverage. These are benefits on your auto policy that serve to protect you when a driver hits you and either doesn’t have enough insurance or has none at all. Once you have been hit, there is nothing we can do after the fact to add coverage. Here are steps to take to protect your family:
- Get a copy of your automobile insurance declarations page.
- Talk to your insurance agent about your coverage and ask tough questions about what happens if someone hurts you and has no insurance.
- Call us. We will review your declarations page free of charge to make sure you are protected.
As always, it is our privilege and pleasure to serve you.