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  • Writer's pictureTeeter Group

Uninsured and Underinsured Insurance: Protecting Yourself on the Road


When it comes to auto insurance, most people are familiar with the basic coverage types like liability, collision, and comprehensive. However, there are additional forms of coverage that are often overlooked but can be crucial in certain situations. Uninsured and underinsured insurance, also known as UM/UIM coverage, are essential components of an auto insurance policy that protect you from financial loss when you're involved in an accident with an uninsured or underinsured driver. In this blog post, we will delve into the details of uninsured and underinsured insurance, highlighting their importance and benefits.

1. Uninsured Motorist (UM) Coverage:

Uninsured motorist coverage safeguards you in the event of an accident caused by a driver who does not have any insurance coverage. Despite auto insurance being a legal requirement in Pennsylvania, there are still uninsured drivers on the roads. If you're involved in an accident with an uninsured driver, UM coverage can help cover your medical expenses, lost wages, and other bodily injuries. It acts as a safety net when the at-fault driver cannot provide the necessary compensation. Keep in mind, UM/UIM does not cover damage to your car in Pennsylvania. You will need to carry collision coverage for that.

2. Underinsured Motorist (UIM) Coverage:

Underinsured motorist coverage comes into play when you're involved in an accident with a driver who carries insurance but has policy limits that are insufficient to cover your damages fully. In such cases, UIM coverage helps bridge the gap between the at-fault driver's liability limits and the actual costs incurred due to the accident. This coverage ensures that you receive adequate compensation for medical expenses, lost income, and bodily injury beyond what the at-fault driver's insurance can provide.


Uninsured and underinsured insurance provides crucial protection for motorists on the road. Accidents involving uninsured or underinsured drivers can have severe financial consequences, but UM/UIM coverage acts as a safety net, helping you recover your losses and maintain financial stability. Whether it's covering medical expenses, lost wages, or other bodily injuries, this coverage provides peace of mind and ensures that you're adequately protected in unfortunate circumstances.

When considering your auto insurance policy, it's essential to discuss and understand the specifics of UM/UIM coverage with your insurance provider. By including uninsured and underinsured insurance in your policy, you're taking a proactive step towards safeguarding your financial well-being on the road. Remember, accidents can happen to anyone, and having the right coverage can make all the difference in protecting yourself and your loved ones.


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