Uninsured/Underinsured motorists coverage is the most important part of your auto insurance policy.   Commonly referred to in combination as “UM/UIM,”  they are actually two distinct portions of your insurance policy.   Amazingly, most insurance agents don’t place much emphasis on the amount of UM/UIM you carry.   Take it from a personal injury attorney . . . . . UM/UIM is the most important part of your policy.

UM, or uninsured motorists coverage is important in case you are struck by someone who is uninsured.   It is estimated that on average 14% of all drivers on the road at any given time are operating their vehicle without insurance.   If you are injured by an uninsured driver, you can make a claim against your uninsured motorist’s policy up to the amount of the coverage.  If you have the minimum amount of coverage of $25,000 then you can recover up to $25,000 from your policy.

UIM, or underinsured motorists coverage, allows you to make a claim against a defendant who doesn’t have enough insurance to cover the settlemetn or verdict.   The majority of drivers carry the mandatory minimum liability insurance limits of $25,000.   While that may sound like a lot, it’s really a couple of days in the hospital after a serious auto accident.  After the defendant’s insurance runs out, you may be left to get the rest out of his personal assets.   However, if you have underinsured motorists coverage, you may recover up to the limit of your coverage from your own insurance carrier.

If you have questions about uninsured/underinsured motorists coverage and how it applies to your accident, call the Kerr Law Firm.   From our home office in Hilton Head, South Carolina we represent injured persons in South Carolina and Georgia.