Uninsured and Underinsured Motorists coverage comes into play when an uninsured or underinsured motorist is found legally liable for an automobile accident which causes bodily injury to you, a family member and other passengers in your auto at the time of the accident.  

UM and UDM coverage does not protect against physical damage to your car causes by an uninsured or underinsured driver who is found legally liable for an auto accident. Physical damage to your vehicle is covered by the comprehensive and collision

Definition:
Uninsured Motorists (UM) – Coverage that reimburses you or your passengers who sustain bodily injury caused by an uninsured motorist or a hit-and-run driver.  

Underinsured Motorists (UDM) – Coverage that reimburses you or your passengers who sustain bodily injury caused by a negligent driver who is insured, but has insufficient coverage.  

Example #1: Jack has UM/UDM coverage in the amount of $100,000/$300,000. Jack is injured in a car accident caused by an uninsured driver. Treatment for Jack’s injuries totals $75,000. Since the driver found legally liable for the accident is uninsured, Jack’s UM coverage pays for the $75,000 in medical expenses.  

Example #2: Julie has UM/UDM coverage in the amount of $100,000/$300,000. Julie and her friend Sarah are traveling in Julie’s car when an accident is caused by another driver. Sarah is injured in the accident and requires $50,000 of medical treatment. The driver found legally liable for the accident has inadequate auto insurance coverage which only pays for $25,000 of Sarah’s injuries. Since Sarah was riding in Julie’s car, Julie’s UDM coverage will cover the remaining $25,000 in Sarah’s medical expenses. Sarah may also have UM/UDM coverage that would share the $25,000 with Julie’s UDM coverage.  

Contact me about the UM/UDM coverage on your Farm Bureau Member’s Choice policy.