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by Michelle Ferris on Jun 07, 2016

With high unemployment rates come high numbers of uninsured or underinsured drivers. This is making driving your car an even more financially risky venture. Do you have Underinsured Motorist (UIM) insurance on your car insurance policy?

If you are in an accident with an Underinsured driver (including those without any insurance), you remain financially vulnerable. Typically, these drivers do not have coverage because they do not have assets, making it especially difficult and often inefficient to pursue collecting of damages for the accident. The best way to ensure you are protected from such an event is to ensure you have the proper coverage on your car insurance policy.

Underinsured Motorist Insurance covers medical expenses, pain and suffering, and lost wages for you or your passengers in accidents caused by uninsured or underinsured drivers or hit-and-run accidents. In the case of underinsured motorists, it covers whatever additional damages aren’t covered by the underinsured motorist’s policy.

In some states, if you don't already have Collision insurance coverage for your car, you can get Underinsured Motorist Property Damage Insurance (UMPD), which covers damage to your car caused by uninsured motorists.

Talk to your car insurance agent and find out what you're covered for, or get a car insurance quote. In an economic crunch, don't let your car and your finances get stuck between an underinsured motorist and a hard place.

© 2018, PLC Insurance. The reader assumes all responsibilities for his/her own actions in regards to any items discussed in this report. Adherence to all applicable laws and regulations, federal, state and local, governing the use of any product or service described in this report in the US or any other jurisdiction is the sole responsibility of the reader. The publisher and author assume no responsibility or liability whatsoever on the behalf of the reader of these materials. The reader is encouraged to consult directly with his/her insurance professional.
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