Uninsured/Underinsured Motorist Coverage (also called UM or UIM coverage): This coverage is for when you or another covered person is injured as a result of an accident caused by someone that is uninsured (does not have Bodily Injury Liability coverage) or who does not have enough BI coverage (underinsured). When this coverage is purchased, you or other covered persons will have available to them the amount of coverage selected (Again, you can purchase coverage in different amounts (ex: $10,000.00, $100,000.00, etc.). You can select stacked or non-stacked coverage; meaning if you pay for “stacked” coverage you can add together (stack) the policy limit amounts based on the number of vehicles you are insuring and that amount of coverage will be available in the event of a covered loss.
Have you been injured in an accident? Contact my office at any time of day or night to schedule a free personal injury case review: http://thetampainjurylawyer.com or 813-253-3351.