Uninsured/Underinsured
Uninsured (UM) motorist coverage for truckers is important. If you're in an accident and the other driver is at fault and doesn't have insurance, your uninsured motorist coverage will help pay for the damages to your truck. Also, if you're in an accident with a driver who doesn't have enough insurance to cover the damages, your underinsured (UIM) motorist coverage will help cover your assets.
24/7 Protection From Drivers With Little To No Insurance On The Road
Uninsured/underinsured motorist coverage (often referred to as UM) is an endorsement that provides payment for bodily injury to the insured and vehicle occupants because of a car accident involving an uninsured driver who does not have insurance to cover the damages. This happens only when the uninsured driver is legally responsible for the accident.
This means that you may be forced to pay the bills yourself or sue the at-fault driver for compensation after an accident.
If this situation happens and if he gets money from his insurer, you will get it too after settling out of court. Your insurance company will also refund any excess premiums collected as a result of purchasing such coverage.
Money collected through uninsured or underinsured driving provisions typically provides reimbursements not only for medical bills paid out of the claimant’s pocket, but also damages to your vehicle.
Who Does It Cover? Why you May Want It?
This policy endorsement makes sure that you do not suffer after an accident with an uninsured driver. This means that if you are hit by a vehicle with no insurance, this policy will help you pay for your injuries and any other damages that result from the accident.
The sad reality is that there are far too many cars on United States roads without insurance coverage. According to Forbes research and data on uninsured motorist coverage, they found that some states like Mississippi have upward of 25% uninsured drivers on the road.
That means one out of every four cars on United States roads is uninsured!
This policy can protect you against these situations because even if your insurer denies liability coverage (a very unlikely event), you will still be eligible for compensation when hit by an uninsured or underinsured driver.
UM/UIM Exclusions:
- Punitive damages
- Claims settled without the insurance company's consent
- Claims for injury to anyone using a vehicle without permission or belief that they are entitled to do so
How Much Should UM Cost?
The cost of uninsured/underinsured motorist coverage varies depending on the state you reside in. In some states, it is required coverage, while others make it an option.
- Required States Include: Connecticut, Illinois, Kansas, Maine, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, New York, North Dakota, Oregon, South Carolina, Vermont, Virginia, West Virginia, Wisconsin
The price of this coverage usually ranges from $100 to $300 per year, but it is worth every penny to know that you are safe in case of an accident with an uninsured driver.
Get An Uninsured Motorist Coverage Quote!
You should get uninsured/underinsured motorist coverage any time you are driving a commercial vehicle. This policy endorsement will protect you in the event that you are hit by an uninsured driver.
It is important to have this coverage as soon as possible. Whether you are a short-haul driver or long-haul, having UM coverage is affordable and can protect you in the event of an accident.
Uninsured motorist coverage can provide a sense of security in case you are involved in an accident with another vehicle. It is important to have this coverage as soon as possible. If your insurance company denies liability and other types of coverages apply (such as collision), then it will be necessary that UM provides the compensation for injuries sustained during an accident. The cost varies depending on where you live within America but averages $100-$300 per year; if anything, it's worth every penny knowing that no matter what happens while out on the road, there's always protection from uninsured drivers who could cause bodily injury and property damage without any repercussions whatsoever.
If you would like to learn more about uninsured motorist coverage or want to speak to someone about getting a policy,
contact Strong Insurance at
308-430-1953 and one of our licensed agents will be happy to assist.
Here's What Makes Us Different
Strong Insurance was founded to provide truckers an easy, simple, and affordable option in choosing an insurance agency that is right for your business. The Strong Insurance family welcomes both new and experienced drivers. When it comes to helping, we value what it means to be a part of the Strong Insurance Family.
As an independent insurance agency, we can provide multiple options from a variety of insurance carriers. We will assist you in choosing the best coverage at the most affordable rate. We take pride in collaborating with A+ rated carriers and providing dependable coverage with an Agent and Company that has your back.
Experienced Agent That Will Help You Through The Entire Process.
Coverage That Offers Peace Of Mind & Dependability 24/7/365.
Offering Multiple Monthly Options For New & Experienced Drivers.
