What is Uninsured & Underinsured Motorist (UM/UIM) Coverage?

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(00:00:00) Introduction

Hello everyone, this is Sean Chalaki. I’m a personal injury attorney in the state of Texas. Today we are covering the topic: What is Uninsured & Underinsured Motorist Coverage?

(00:00:13) What is Uninsured Motorist (UM) Coverage?

To get started off with let's define the terminology Uninsured Motorist also known as a UM; it is granted to you by the state of Texas by statute. The only time that you won't have it is whenever you purchase your insurance policy, and you sign off/reject it. A lot of times you're rejecting it and you don't realize it because it's one of the documents that you're signing while you're purchasing your insurance policy so it is important that you read the entire policy before you sign off on it and see what you're rejecting.

An uninsured motorist collision is when you're involved in a collision and the other person that caused the collision is at fault, however they don't have insurance. This is when your uninsured motorist coverage kicks in, and for a deductible (usually about $250) it grants you coverage for your damages. For Uninsured motorists’ accidents, there are two types of policies: property damage and bodily injury. If the at fault party doesn't insurance well your uninsured motorists’ coverage will cover your vehicle and your bodily injuries.

(00:01:35) What is Underinsured Motorists (UIM) Coverage?

Underinsured motorists (also known as UIM) provides you coverage when you're involved in a car accident with someone and they do not have sufficient insurance.

For example, they could have the Texas minimum policy limit of 30/60/25, and this policy limit doesn't cover all your damages. If your vehicle is worth $50,000, and at fault party only has $25,000 in coverage, or your damages are over $100,000 and they only have $30,000 in coverage. This is when your under-insured motorist (UIM) coverage kicks in and covers the additional damages that the other person’s policy couldn't cover, up to the policy limit that you purchased. So, if you purchase a policy limit under your bodily injury of $50,000 or $100,000, then it will cover you up to those limits. The same thing applies for property damage.

(00:02:35) Important Things to Remember

Both of these, as I stated, are granted to you by statute in the state of Texas so before you sign off on your policy, make sure to ask your insurance agent for more information about your UM/UIM coverage, or study your insurance policy coverage options, this way you don't end up not getting reimbursed for your damages if you're involved in a collision.

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