Protect Yourself When Others Can’t—or Won’t—Pay
Car accidents are stressful enough—but what happens if the driver who hits you has little or no insurance? That’s where Uninsured and Underinsured Motorist (UM/UIM) coverage comes in, providing financial protection when you need it most.
What Is Uninsured and Underinsured Motorist Coverage?
- Uninsured Motorist (UM) – Covers you if an at-fault driver has no insurance.
- Underinsured Motorist (UIM) – Covers you if an at-fault driver doesn’t have enough insurance to pay for your medical bills or vehicle damage.
UM/UIM coverage typically applies to:
- Medical expenses for you and passengers
- Lost wages due to injuries
- Pain and suffering from the accident
- Vehicle repairs or replacement if your collision coverage doesn’t fully apply
Why You Need UM/UIM Coverage
- Many drivers are underinsured or uninsured – In some states, a significant portion of drivers lack adequate auto insurance.
- Medical bills and repair costs can be high – Even minor accidents can result in thousands of dollars in expenses.
- Peace of mind – Ensures you’re protected financially regardless of who caused the accident.
Key Considerations
- Coverage limits – Make sure your UM/UIM limits are sufficient to cover potential expenses.
- State requirements – Some states require UM/UIM coverage, while others recommend it.
- Stacking options – In some states, you can “stack” coverage across multiple vehicles for added protection.
Bridgeway Insurance Group Can Help
We help drivers understand their risks and select the right UM/UIM coverage. Our goal is to make sure you’re financially protected, no matter who is at fault in an accident.
Bridgeway Insurance Group - Insurance that protects you when others can’t.