FREE
INSURANCE
QUOTES

UM Uninsured Motorist

Example: 100/300

The first number in red in this case is 100 = This number is a multiple of $1000. It means that the insurance company will cover a Bodily Injury claims up to a maximum of $100,000 per person, per accident. This is for occupants of your insured vehicle in the event the auto is involved in an accident with another vehicle that is deemed at-fault but is not insured

The second number in blue of 300 = Also a multiple of $1000. This is $300,000 in this case. It is the total aggregate limit of Bodily Injury pay out per accident regardless of how many people are involved just so long as they were occupants of your insured vehicle. The same stipulation exists that the at-fault party carries no insurance at all.

UIM Underinsured Motorist

Example: 100/300

The first number in red in this case is 100 = This number is a multiple of $1000. It means that the insurance company will cover a Bodily Injury claims up to a maximum of $100,000 per person, per accident. This is for occupants of your insured vehicle in the event the auto is involved in an accident with another vehicle that is deemed at-fault but the opposing insurance policy does not have a high enough limit to cover Bodily Injury sustained by any or all single insured occupants.

The second number in blue of 300 = Also a multiple of $1000. This is $300,000 in this case. It is the total aggregate limit of Bodily Injury pay out per accident regardless of how many people are involved just so long as they were occupants of your insured vehicle. The same stipulation of the other driver must have insurance but not enough to cover any or all injuries sustained in the accident.

In most states these coverages are not required, however you should strongly consider keeping them. A surprising number of drivers in the United States, drive with no insurance coverage at all.

GetCoveredUSA.com Insurance Tip:UM and UIM claims made against your policy are always counted the same as a comprehensive claim. Most companies will either completely ignore previous claims of this type or will only lightly increase your rate. On this type of coverage, the rule of thumb is to "cover yourself first" then cover other people. Because in most cases if you carry enough insurance to account for damages that might happen to yourself or your property, you should have enough to account for other drivers. Always discuss coverage limits with your Insurance Agent to make sure you are getting adequate coverage for your situation.