Did You Know That....? (Uninsured Motorist - BI & PD)
Did you know that Uninsured Motorist Coverage may be the most important coverage on your automobile insurance policy?
What does Uninsured Motorist Bodily Injury also known as (UM) mean?
If you have UM coverage, it means that YOUR insurance company will cover you, the insured's members of your household and your passengers for any injuries, damages, or death caused by another driver if you are involved in an accident where the other driver is at fault but has no insurance or if you are injured by a hit and run driver. Your UM coverage will cover your claim for medical expenses, lost earnings and pain and suffering and disabilities caused by injuries up to the UM coverage limit on your policy.
UM coverage protects you, your family and passengers for accidents caused by uninsured drivers. It is generally understood that almost 50% of drivers in California do not have proper liability insurance so UM insurance coverage is very important to include in your policy. You should purchase very high coverage limits on your UM coverage because if you are seriously injured, this coverage will pay you just as if the responsible party who caused the accident had insurance. Your UM limits will also provide underinsured coverage that can be added on top of the other parties' liability insurance to increase the available coverage of the other party to pay your damage claims. You can also purchase an umbrella policy to add additional UM insurance coverage.
What does Uninsured Property Damage also known as (UMPD) mean?
If you have UMPD coverage, it means that YOUR insurance company will pay for any property damage caused to your vehicle ONLY when it is damaged by a negligent operator who does not have any automobile insurance to pay for your damages.
Did You Know That....? (Uninsured Motorist - BI & PD)
April 23, 2010
Did you know that Uninsured Motorist Coverage may be the most important coverage on your automobile insurance policy?
What does Uninsured Motorist Bodily Injury also known as (UM) mean?
If you have UM coverage, it means that YOUR insurance company will cover you, the insured's members of your household and your passengers for any injuries, damages, or death caused by another driver if you are involved in an accident where the other driver is at fault but has no insurance or if you are injured by a hit and run driver. Your UM coverage will cover your claim for medical expenses, lost earnings and pain and suffering and disabilities caused by injuries up to the UM coverage limit on your policy.
UM coverage protects you, your family and passengers for accidents caused by uninsured drivers. It is generally understood that almost 50% of drivers in California do not have proper liability insurance so UM insurance coverage is very important to include in your policy. You should purchase very high coverage limits on your UM coverage because if you are seriously injured, this coverage will pay you just as if the responsible party who caused the accident had insurance. Your UM limits will also provide underinsured coverage that can be added on top of the other parties' liability insurance to increase the available coverage of the other party to pay your damage claims. You can also purchase an umbrella policy to add additional UM insurance coverage.
What does Uninsured Property Damage also known as (UMPD) mean?
If you have UMPD coverage, it means that YOUR insurance company will pay for any property damage caused to your vehicle ONLY when it is damaged by a negligent operator who does not have any automobile insurance to pay for your damages.
Topics
Did You Know That....?
Did You Know That....? (Comprehensive)
Did You Know That....? (Liability - Bodily Injury)
Did You Know That....? (Medical Payments
Did You Know That....? (Underinsured Motorist)
Did You Know That....? (Uninsured Motorist - BI & PD)
Did You Know That...? (Liability - Property Damage)
What to Do in An Auto Accident (Photos)
What to Do in An Auto Accident (Witnesses)
What to Do in An Auto Accident (Witnesses)
Recent Updates
June 03, 2010
What to Do in An Auto Accident (Photos)
May 24, 2010
What to Do in An Auto Accident (Witnesses)
May 06, 2010
Did You Know That....? (Collision)
May 06, 2010
Did You Know That....? (Comprehensive)
April 28, 2010
Did You Know That....? (Medical Payments
