Uninsured/Underinsured Motorist Coverage (UM/UIM)

Dallas County tops the state’s biggest urban counties as the riskiest place for motorists.

Figures from the Texas Department of Insurance show that 1 in 6 Dallas County drivers — more than 16 percent — have no insurance despite requirements for minimum coverage. Statewide in Texas, 14 percent have no insurance — more than 2.5 million drivers.

While many people assume that they have “full coverage” when they purchase their auto insurance, it is important to make sure that your auto coverage includes Uninsured/Underinsured Motorist Coverage (UM/UIM). This type of insurance is very inexpensive when compared to liability insurance and covers you and everyone else in your automobile in the event you are hit by someone who does not have insurance or does not have enough insurance to cover your losses.

In addition, Uninsured/Underinsured Motorist Coverage (UM/UIM) can protect you in a number of situations that you might not think about. UM/UIM Coverage can help protect you and can apply in the following situations as well:

  • When you are in your car or truck and you’re hit by a driver who doesn’t have enough insurance.
  • When you are in a hit-and-run accident where there is contact between your vehicle and the other vehicle.
  • When you are a pedestrian and are hit by a car or truck with a driver who doesn’t have enough insurance.
  • When you are on a bicycle and hit by a vehicle with a driver who doesn’t have enough insurance.
  • When you’re a passenger in another car that is hit by a driver who doesn’t have enough insurance.

Also, in many cases, more than one UM/UIM policy may apply. For example, if you’re in a friend’s car and hit by a driver who doesn’t have enough insurance, you might be able to make a claim on your own insurance and on the UM/UIM policy covering the car that you’re riding in, because UM covers you when you’re in someone else’s car, and the driver’s UM/UIM policy would cover everyone riding in the car (so you may have double the coverage and double the protection).

Importantly, your UM/UIM policy may also cover your family members who live with you. This means that, if your spouse or child is riding in your car or someone else’s car, they can be protected as well.

Click here to read the article “Dallas County’s Uninsured Driver Rate Speeds Up” and learn more about how you can protect you and your family during a car accident.

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