How Much Uninsured Motorist Coverage Do I Need Reddit?

October 26, 2023

How much uninsured motorist coverage do i need reddit

About one in eight drivers operate without car insurance, according to a 2021 study by the Insurance Research Council. That makes it important to add uninsured motorist coverage -- also known as UM or UBIM -- to your policy. This type of coverage can help pay for your medical bills, pain and suffering and lost wages if you're involved in an accident with an uninsured driver. It can also help cover your property damage if the other driver's liability limits aren't enough to fully cover your damages.

You can generally buy UM and UIM in the same limit amounts as your bodily injury liability coverage. In addition, some insurers let you "stack" UM and UIM for multiple vehicles insured on the same policy, although that's not allowed in all states.

Bankrate's insurance editorial team explains how uninsured motorist coverage works, including what it covers and whether you need it. It's an affordable, easy-to-add option that can keep you from having to pay out of pocket for injuries and vehicle damage caused by drivers who don't have insurance or don't have enough.

If you want to get a better idea of how much this type of coverage costs, enter your zip code to compare personalized rates and quotes from top carriers. You can even customize your policy to meet your needs, such as adding a deductible. And you can cancel or change your quote any time if you decide it's not right for you.

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