What is Underinsured Motorist Coverage (or UIM) and Do I Need It?

What if I get hit by a driver without insurance?

All too often we see serious crashes on the Beltway. The question you should ask yourself is: “Am I really protected if I get hit by a driver without insurance?” 

We recently settled a case for a gentleman who was hit by somebody who only had the D.C. legal minimum insurance coverage of $25,000.00 (Maryland and Virginia are similar - bad drivers are not required to have much insurance coverage).  When he got hit by this driver cutting across 3 lanes of traffic, and needed surgery two weeks later, his medical treatment costs came out to be way more than that.

What would the good driver have done if he didn't have Uninsured or Underinsured Motorist Coverage (UIM)?

It's bad enough when you get hit in an accident that is not your fault; causing injury to you and your family and damaging your car. But what happens if you have significant medical needs and costs and can't work because of your injuries as a result? 

Even though liability car insurance is mandatory in most states, not everybody who drives has it. And then consider the number of people who are driving around with the minimum amount of coverage. You and your family can't afford to take the risk.

Underinsured motorist coverage is optional insurance you can purchase that will cover you in the event you find yourself hit by a driver with little to no insurance coverage. UIM coverage is usually inexpensive, and once activated it will step in to cover your medical and other related expenses if you have been hit by somebody who is not insurance or underinsured.

If your UIM insurance policy limit is higher than that of the liabilty insurance of the person who hit you, the other driver is underinsured.

Do you have adequate UIM coverage? If not, call your insurance company today and increase your limits. Protect yourself and your family from the irresponsible drivers we see every day - just look around you at all of the people weaving in and out of traffic on the Beltway and 95, driving aggressively and on their phones. 

And if you are in an accident, act quickly to protect your rights. Get proof of the other driver’s insurance, get the police report and contact your own insurance company. And give us a call at 202-393-3320. We'll send you The Ultimate Guide to Accident Cases in the DMV. 

Or order your free copy right now and get started right away!