Uninsured & Underinsured Motorist
Uninsured & Underinsured Motorist Coverage in Venice, Sarasota, and North Port, FL
Not Every Driver is a Responsible Driver.
Auto insurance can help protect you financially from costly expenses (e.g., medical bills, legal fees) if you’re in a car accident. It can also provide coverage for your passengers and for damage to your vehicle.
Your auto insurance policy may help pay for other drivers’ losses if you are liable for them. In turn, you rely on other drivers’ insurance to compensate you if they are responsible for damages. If you’re in an accident with a driver who has insufficient coverage to pay for your losses, you could end up paying all your expenses out-of-pocket. Read on to learn more about the protection uninsured and underinsured motorist coverage can provide.
We’re here to help. Contact Ramey Insurance Agency in Venice, Florida, to learn more about our auto insurance coverage.
What Is Uninsured and Underinsured Motorist Coverage?
Uninsured motorist coverage (UM coverage) and underinsured motorist coverage (UIM coverage) can cover you, your passengers and your vehicle if you’re in a car accident with somebody who has insufficient auto insurance or no auto insurance at all. Many states require it. Even when it is not required, some people may purchase UM or UIM coverage to protect themselves from costly losses.
How Does Uninsured and Underinsured Motorist Insurance Work?
Your UM and UIM insurance can provide coverage in numerous situations. It may cover hit-and-run accidents, accidents with drivers who don’t have liability insurance or whose limits aren’t high enough to pay for all of the damages and accidents with drivers whose insurance company goes out of business or denies coverage.
Although individual policies may vary, your UM and UIM insurance will generally include coverage for the following, in accordance with your policy terms and limits:
- Medical bills
- Pain and suffering
- Lost wages
- Funeral expenses.
Contact Ramey Insurance Agency to learn more about the UM and UIM insurance coverage we provide and to get an insurance quote today.
Uninsured Vs. Underinsured Motorist Coverage
Uninsured motorist coverage can help pay for damages arising from car accidents with drivers without auto insurance. Underinsured motorist coverage can help pay for damages if you’re in an accident with a driver who doesn’t have enough auto insurance to pay for the extent of damages.
Speak to your insurance agent to learn how much UM and UIM coverage is recommended for you.
Getting Underinsured and Uninsured Motorist Coverage
If you’re in an accident with an underinsured or uninsured driver, you could be burdened with costly property damages and medical bills. Contact Ramey Insurance Agency to learn how our UM and UIM coverage can protect you.