What is the benefit of having under-insured motorist coverage?
What Is The Benefit of Having Underinsured Motorist Coverage?
When you’re on the road, you can’t control the actions or insurance coverage of other drivers. That’s why having underinsured and uninsured motorist coverage is crucial. In Arizona, this type of coverage is not only essential but also portable, offering you protection in a wide range of scenarios, whether you’re in your own vehicle or not.
What Is Underinsured Motorist Coverage?
Underinsured motorist (UIM) coverage is designed to protect you if you’re involved in an accident with a driver whose insurance isn’t sufficient to cover the damages. Similarly, uninsured motorist (UM) coverage comes into play when the at-fault driver has no insurance at all. These coverages are vital because they ensure that you’re not left paying out of pocket for someone else’s lack of adequate insurance.
The Portability of Coverage in Arizona
One of the most significant benefits of UIM and UM coverage in Arizona is its portability. This means that your coverage follows you, regardless of whether you’re in your own vehicle at the time of an accident. Here are some situations where this portable coverage can protect you:
- In Someone Else’s Car: If you’re a passenger in another person’s car, you don’t need to worry about their insurance coverage. Your UIM or UM coverage will still apply, giving you peace of mind that you’re protected no matter what.
- As a Pedestrian: If you’re walking down the street and are hit by a driver, whether it’s a regular vehicle or a delivery driver like DoorDash, your UIM or UM coverage can help cover your medical expenses and other damages.
- While Biking: Even if you’re on a bicycle and are struck by a vehicle, your UIM or UM coverage can step in to cover your injuries and other losses.
This portability makes UIM and UM coverage in Arizona incredibly valuable, providing a safety net in various situations where you might otherwise be vulnerable.
Why You Need This Coverage
Accidents can happen anywhere, and not every driver on the road has adequate insurance. By having UIM and UM coverage, you protect yourself against the financial fallout of an accident caused by an underinsured or uninsured driver. This coverage ensures that you receive the compensation you need to cover medical bills, lost wages, and other expenses, regardless of the other driver’s insurance status.
Let Bache & Lynch Guide You – Schedule A Free Consultation With An Experienced Underinsured Motorist Lawyer.
At Bache & Lynch, we understand the importance of protecting yourself with the right insurance coverage. If you’ve been involved in an accident and need help navigating your UIM or UM claim, our experienced team is here to assist you every step of the way.
Contact Bache & Lynch today for a free consultation to discuss how underinsured motorist coverage can protect you and how we can help you with your claim.