/>

CALL OR TEXT FOR A FREE CONFIDENTIAL EVALUATION

Why Every Driver Needs UM/UIM Insurance

Don’t wait until it’s too late to find out your insurance isn’t enough.

Diane Chang

I’ve seen too many clients caught off guard after an accident—left struggling with medical bills, lost wages, and car repairs because the at-fault driver had no insurance or not enough coverage. This is exactly why Uninsured/Underinsured Motorist (UM/UIM) insurance is so important.

You do everything right: You have auto insurance, drive responsibly, and follow the rules. But what happens when the other driver doesn’t? Without UM/UIM coverage, you could be left paying out of pocket for expenses that should have been covered.

What Is UM/UIM Insurance?

UM/UIM coverage is a safety net that protects you when the at-fault driver can’t pay for the damages they caused.
Uninsured Motorist (UM) Coverage – Steps in when the at-fault driver has no insurance at all. It covers medical expenses, lost wages, and even hit-and-run accidents.
Underinsured Motorist (UIM) Coverage – Helps when the at-fault driver doesn’t have enough coverage to pay for your damages. If their insurance limit is too low, UIM covers the difference.

Why Is UM/UIM Coverage Essential?

1. Uninsured Drivers Are Everywhere – Nearly 1 in 8 drivers in the U.S. has no insurance. If you’re hit by one of them, you’re on your own—unless you have UM coverage.
2. Most Drivers Have the Bare Minimum – Even when a driver has insurance, many only carry the legal minimum, which may not be enough to cover serious injuries or property damage. UIM fills that gap.
3. Hit-and-Runs Are Common – If someone crashes into you and takes off, UM insurance can cover your medical bills and damages. Otherwise, you might be left paying for everything yourself.
4. It’s Peace of Mind—At a Low Cost – UM/UIM coverage is relatively inexpensive to add to your policy but can save you thousands if you’re ever in an accident with an uninsured or underinsured driver.

What Does UM/UIM Insurance Cover?

Medical expenses for you and your passengers
Lost wages if you can’t work due to injuries
Pain and suffering from accident-related trauma
Property damage (in some states)

Final Thoughts

No one plans to be in an accident, but you can plan to be protected. UM/UIM insurance ensures that if you’re hit by an irresponsible driver, you won’t be the one stuck paying the price. As an attorney, I always tell my clients: Don’t wait until it’s too late to find out your insurance isn’t enough. Check your policy today and make sure you have the coverage you need. It’s a small investment in your peace of mind and financial security.

If you’ve been involved in a dog bite incident—either as a victim or a pet owner—consulting with a legal professional can provide the clarity and support you need. This blog post is written by an attorney at The Law Office of Diane Chang, A Professional Corporation.  It is for general educational purposes only and is not intended as legal advice or a solicitation for services. We hope it helps you or empowers you to seek next steps in your legal matters. Our attorneys handle an array of personal injury matters throughout California.  You can contact us at www.dianechanglaw.com or (213) 814 0535.

Leave a Comment

Your email address will not be published. Required fields are marked *