In 2024, you need Uninsured Motorist Bodily Injury Coverage (UM). Let's talk about why.

We know that the last thing you want to hear from your insurance agent (or anyone) is that you need more insurance. We get it! But part of being a good partner is making sure that our clients genuinely know the risks that they can be protected from.

So what is Uninsured Motorist Coverage exactly?

Uninsured motorist (UM) is a type of auto insurance that provides protection to individuals who are involved in accidents with drivers who either have no insurance or insufficient insurance to cover the resulting damages. Typically, when you get in a wreck, and it's not your fault, you'll rely on the at-fault party to use their insurance to cover it. But what happens when they don't have insurance or have the bare minimum?

UM coverage is designed to help you recover expenses related to injuries, medical bills, and property damage when the at-fault party cannot cover these costs.

car crash

But how often does that really happen? 

Well, we could say, "Ask anyone you know" (because chances are a good many people in your life have been in a wreck with someone who wasn't carrying insurance), but we'll give you some quick data. Nearly 1 in 5 drivers in Louisiana don't have auto insurance. 

But isn't that what Health Insurance is for?

Even with decent health insurance, you may not have coverage for major hospital bills or a high-ticket ambulance ride. Plus, you'd still have to meet your deductible because someone else made a big mistake. Uninsured Motorist coverage steps in to help with the rising costs of medical bills, lost wages, and other expenses your health insurance may not cover.

So what is Underinsured Motorist Coverage?

Even if the driver who hit you has insurance, their coverage might be insufficient to cover all your expenses. If you are involved in an accident with a driver whose insurance coverage is not enough to fully cover your expenses, underinsured motorist coverage can step in to make up the difference up to the limits of your own policy.

Do you still have questions? Want more info? Call us today to discuss your options, or visit our website for a customized quote.  

It's pretty common for people to think they are "fully covered" when asked about their auto insurance when they may still be vulnerable. Let's make sure that's not the case with you.

At Kastner Insurance Group, we are always looking out for you. We want you to be completely covered no matter what happens, so we are always thinking of ways to further educate and inform our clients and community.

Allow our team to provide the best coverage because, as always, quotes are free, and knowledge is power!

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