It is unfortunate that we often hear of people who have been injured in a car wreck in which the other driver was driving without any insurance. But this bad situation can quickly turn into a disaster if the person who was injured was not carrying Uninsured or Underinsured Motorist coverage (UM/UIM).
Medical bills from serious injuries can easily run into the hundreds of thousands of dollars, leaving you in financial ruin and unable to recover from your injuries through no fault of your own.
The best way you can protect yourself is to purchase high levels of UM/UIM coverage. Most UM/UIM insurance coverage is very inexpensive - in some cases, $1 million of coverage can cost you less than an additional $50 per year on your premium - and it will cover you in the event that the person who causes the accident does not have auto insurance, or has less than you do.
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