Even careful drivers can be hit by someone with no insurance or minimal coverage. UM/UIM coverage on your own policy is the safety net.
What UM/UIM Covers
Uninsured motorist coverage applies when the at-fault driver has no insurance; underinsured coverage fills the gap when their limits are too low to cover your injuries.
It's Your Own Insurer — But Not Your Friend
A UM/UIM claim is against your own carrier, and they may still dispute value or fault. Treat it with the same care as any other claim.
Stacking and Limits
How much coverage is available can depend on the policy terms. Reviewing your declarations page after a serious crash is worthwhile.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Maine attorney.