FAQ: Uninsured or Underinsured Motorist Insurance Coverage

IS IT A GOOD IDEA TO CARRY THE MINIMUM AMOUNT OF UNINSURED (UM) OR UNDERINSURED (UIM) MOTORIST INSURANCE COVERAGE?

                   Carrying the minimum amount of UM or UIM can be a serious mistake.  For a variety of reasons, many drivers today are getting behind the wheel without any or with minimal auto liability insurance.  If one of these uninsured or underinsured drivers causes an accident that injures you or your family, the financial consequences can be devastating, especially considering that even a short hospital stay can cost tens of thousands of dollars.  Plus, both UM and UIM coverage are very inexpensive and cover your family even when they are not in your own automobile.

In West Virginia, you are required to carry UM coverage of at least $20,000 per person and $40,000 per occurrence, but you are not required to carry UIM coverage. Regardless, for the above reasons, you should carry higher levels of this very important coverage.  If you have questions about your current policy or what coverage levels you may need to protect your family, contact our office.

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