Why UM/UIM Insurance Coverage Is Important
One of the most overlooked, but probably the most important coverage on your auto insurance is the UM/UIM coverage. Why is it important? UM/UIM coverage goes to cover your medical bills, rehabilitation, and loss of work if someone injures you in an auto accident and they don’t have insurance or enough liability insurance to cover your bills. In AZ it is estimated that 12% of the people driving on the streets don’t have auto insurance according to an insurancejournal.com report. That is about the same as the national average. On top of that there are a lot of people driving around with state minimum coverage or one step above state minimum. If there is a major accident this coverage isn’t going to cover everything. Just to give an example this story from azfamily.com is about a teacher whose son was hit in an auto accident. He has had to stay in the hospital for a while and the medical bills, rehabilitation, and loss of work is going to get very expe