Uninsured Motorist and Its Benefits
It’s very common for customers to overlook UM coverage or reject it completely. I’m here to explain why every policy should have it. UM coverage protects you from damages caused by drivers without insurance. As an agent in the field for over 10 years now. I have come across countless people who share their stories with me about how they were left with zero coverage because they simply rejected the coverage or they never even knew the coverage existed. Leaving them car-less and in a big hole financially. Don’t leave yourself exposed. UM coverage a must. Benefits of UM are broken down into three parts: Bodily Injury Per Person / Bodily Injury Per Accident / Property Damage of $3500. You can add UM coverage to your policy for as low as $5 more per month on some policies. It’s worth every penny. One added benefit is that if you bundle it with your Comprehensive and Collision Coverage you will receive what is called a Collision Deductible Waiver or CDW. A CDW will wipe out or reduce your deductible if you are not at fault and an uninsured driver where to damage your vehicle. Talk to your agent and get informed. I recommend it 100%.