No Hablas Uninsured Motorist
We know insurance isn’t the easiest topic to understand, and that’s okay. However, when you work with educated and responsible specialists they will go the extra mile to protect you. If you get in an accident caused by a driver without insurance, the uninsured motorist policy will go into action. The UM policy replaces the liability coverage the driver should’ve had and gives you coverage for your costs, up to the policy’s limits. (Keep in mind the exclusions.)
Uninsured/underinsured motorist coverage can be purchased to cover bodily injuries (sometimes called UMBI), and in some states, it’s also available to cover property damage (sometimes called UMPD). UM/UIM works like your bodily injury coverage and is sold the same way, with coverage limits you select. Instead of buying insurance to protect other drivers from the damage you cause, you’re buying insurance to protect yourself from bodily injury damage caused by other drivers to you.