What is UM coverage and do you need it?

If you are in an accident and the at-fault party has low or no bodily injury coverage, what do you do? UM (uninsured or underinsured) motorist coverage is additional coverage that you can purchase through your auto insurance company. In the event of a car accident, UM coverage provides security for when the at-fault party that hit you has low or no bodily injury limits to cover your medical expenses. For example, a situation where UM coverage is important is if another driver hits you and they only had $10,000 in bodily injury coverage, but you now have $50,000 in medical expenses. UM coverage will take place and provide coverage for those additional medical expenses. This is why it is so important to have.  What is the difference between unstacked vs. stacked coverage? Unstacked. If you only have 1 vehicle on your policy, you will choose the unstacked option. Stacked. Stacked coverage allows you to stack limits on top of each other. For example, you have $50,000 per person in UM coverage but your policy covers two vehicles. Stacking UM coverage will allow your limit of $50,000, to be $100,000 in UM coverage per person. 

If you or someone you know has been injured in an auto accident, please call us at Busciglio, Sheridan & Schoeb to reach Marie Schoeb directly to help walk you through the process. If you have any questions about what additional coverages are available to you, please contact your auto insurance carrier.