At Paul & Dixon Insurance, we’ve spent over 170 years helping our neighbors protect what matters most. One coverage we often find overlooked, but absolutely essential, is Uninsured and Underinsured Motorist (UM/UIM) coverage.
So what is it, and why should you care?
Uninsured Motorist Coverage steps in when you’re involved in an accident caused by a driver who doesn’t carry any insurance.
Underinsured Motorist Coverage applies when the at-fault driver has insurance, but not enough to cover the full extent of your damages—medical bills, lost wages, or long-term care.
Unfortunately, these scenarios are more common than you might think. Despite legal requirements, many drivers on the road today carry minimal coverage, or none at all! If you’re injured in an accident and the other driver can’t pay, UM/UIM coverage ensures you’re not left footing the bill.
This protection is especially important for:
- Pedestrians and cyclists hit by uninsured drivers
- Hit-and-run accidents
- Serious injuries requiring extended recovery or rehabilitation
UM/UIM coverage can also help cover expenses like:
- Emergency room visits and follow-up care
- Physical therapy and mobility aids
- Compensation for pain and suffering
- Funeral costs in the event of a fatal accident
At Paul & Dixon, we believe peace of mind shouldn’t be optional. UM/UIM coverage is a simple, affordable way to safeguard your financial future when others fall short of their responsibilities.
Let’s make sure you’re covered from every angle. Reach out to one of our experienced agents today—we’re here to answer your questions, review your current policy, and help you make confident, informed decisions.
