WHAT HAPPENS IF YOU'RE HIT BY AN UNINSURED DRIVER?

UM/UIM stands for Uninsured Motorist (UM) and Underinsured Motorist (UIM) Coverage. This protection applies when you are not at fault for an accident, but the at-fault driver either has no insurance or does not carry enough insurance to fully cover your damages. UM/UIM coverage can help pay for medical expenses and bodily injury-related losses resulting from the accident.

No Deductible for Bodily Injury Claims

• When UM/UIM coverage applies to bodily injury claims, you generally do not have to pay a deductible for covered injuries.

• Your coverage helps protect you without requiring out-of-pocket expenses for qualifying bodily injury losses.

Protection for Accidents That Are Not Your Fault

• Because you were not responsible for the accident, UM/UIM coverage is designed to provide protection when the at-fault driver cannot financially respond for the damages they caused.

• This coverage can be an important safeguard against uninsured and financially irresponsible drivers.

May Help You Avoid Using Collision Coverage

• In certain situations, UM/UIM coverage may provide an alternative to filing a collision claim.

• Depending on the circumstances and policy provisions, this may help minimize the need to rely on other coverages available under your policy.

Vehicle Damage Under UMPD Coverage

• In Texas, Uninsured Motorist Property Damage (UMPD) coverage includes a fixed $250 deductible for covered vehicle damage claims.

• This deductible applies when UMPD coverage is used to repair damage caused by an uninsured driver.

Hit-and-Run Accidents Without Sufficient Evidence

• If the at-fault driver cannot be identified, the insurance company may not approve the use of UM/UIM coverage without adequate supporting evidence.

• We strongly recommend filing a police report immediately and gathering as much evidence as possible, including photographs, videos, witness statements, and any available identifying information. These steps can be critical in supporting a UM/UIM claim.

Don't Have UM/UIM Coverage Yet?

If you do not currently carry Uninsured/Underinsured Motorist Coverage (UM/UIM) or would like to learn how much it would cost to add this valuable protection to your policy, MOK INSURANCE is here to help.

Contact us today to review your coverage options and ensure you have the protection you need when other drivers do not.