Uninsured/Underinsured Motorist Coverage

Our Services

Uninsured/Underinsured Motorist Coverage





Our Uninsured/Underinsured Motorist Coverage is designed to provide a strong financial safety net when you're involved in an accident with a driver who has little or no insurance. Here's a detailed look at what’s included:

Our Services Included

Medical Expenses:   We cover the cost of your medical treatment following an accident, including emergency room visits, surgeries, rehabilitation, prescription medications, and follow-up care—ensuring you and your passengers receive the attention you need without worrying about the cost.

Lost Wages:   If your injuries prevent you from working temporarily or permanently, this coverage helps replace lost income so you can focus on recovery without the added stress of financial hardship.



Pain and Suffering:   Accidents can leave long-lasting physical pain and emotional trauma. Our coverage includes compensation for pain, suffering, and reduced quality of life caused by an uninsured or underinsured motorist’s negligence.

Vehicle Repair or Replacement:   While UM/UIM coverage primarily focuses on bodily injury, we also offer optional property damage protection that helps repair or replace your vehicle if it's damaged in an accident caused by an uninsured driver.

Hit-and-Run Accidents:   In cases where the at-fault driver flees the scene and is never found, our policy ensures you're not left with the costs. We treat hit-and-run incidents as if they involve uninsured drivers and cover you accordingly.

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