You need UM/UIM (or you need more UM/UIM)

In the last few weeks, we have been hired on several cases where we know uninsured/underinsured motorist (UM/UIM) coverage is going to be implicated.  In a couple, we anticipate this will be the only coverage available to our client.  We feel this is an important time for us to stress how important it is for drivers to have UM/UIM) coverage on all of their vehicles.  People often drop this coverage because they do not know what it is and think it is just some extra money the insurance company is trying to get from them.  In actuality, in a serious car wreck, it will likely be the most important coverage that you have.  UM/UIM coverage is there to cover you when you are hit by an uninsured motorist and/or when you are hit by a motorist who has an insurance policy that is not large enough to cover all your damages.  This can leave you in the unenviable position of not having enough money to fully pay your medical bills and/or compensate you for your loss in income while you are recovering from your injuries.  Therefore, please check your policy and make sure you have ample UM/UIM coverage for your vehicles.  If you have any questions about UM/UIM, please feel free to ask us.  We would be glad to take the time to explain why it is so important.