Your insurance policy should provide something called “Uninsured (UM) or Underinsured (UIM) Motorist Coverage.” This coverage is very important since many people on the road are either uninsured or carry the minimum insurance policy limits allowable by law. Their insurance benefits may not be sufficient to compensate you for serious injuries. Be certain to purchase the same limit for your UM or UIM coverage as you do for your liability coverage. If you are seriously injured in a motor vehicle accident, you can make a claim under your own insurance policy to cover the injuries caused by another driver who is underinsured.
