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 expensive.  Having good UM/UIM coverage will help him recover financially what the accident has taken from him.

UM/UIM doesn't cover the repairs to fix your vehicle though.  That will come from your collision coverage and be subjected to your agreed upon deductible.     

Raymond E. Grim is an insurance agent and owner of Raymond E. Grim Agency LLC with American Family Insurance.  He has been serving the Surprise, AZ area since 2001.  Raymond specializes in auto insurance, home insurance, life insurance, and business insurance.  Raymond is also an active member of the Surprise Regional Chamber of Commerce.  Raymond along with his wife are also associate pastors for CFTN Surprise.  Raymond along with his staff gives honest and quality service for your insurance needs.  


#SurpriseInsuranceAgent #Insurance #InsuranceAgent #LifeInsurance #AutoInsurance #RentersInsurance #HomeInsurance #UM/UIM




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