Home / UM coverage
Uninsured motorist coverage
Often the most important coverage in a serious crash, and the most overlooked.
When UM applies
- The at-fault driver had no insurance
- Their limits are too low for your injuries (underinsured)
- Hit-and-run, with special proof requirements
Add-on vs. reduced-by
| Type | Example: $25k at-fault policy, $50k your UM |
|---|---|
| Add-on | Up to $25k + $50k = $75k available |
| Reduced-by | Your $50k is reduced by $25k = $25k more |
Example only.
Household policies
UM on other policies in your household may also apply, depending on policy terms.
Insurance giving you the runaround?
Free case review with Talal Perez Ghosheh. English or Spanish.