{"id":8520,"date":"2024-06-28T16:39:28","date_gmt":"2024-06-28T16:39:28","guid":{"rendered":"https:\/\/www.acceptanceinsurance.com\/?page_id=8520"},"modified":"2024-06-28T16:41:21","modified_gmt":"2024-06-28T16:41:21","slug":"cheap-uninsured-motorist-coverage","status":"publish","type":"page","link":"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/cheap-uninsured-motorist-coverage\/","title":{"rendered":"Uninsured Motorist Coverage"},"content":{"rendered":"
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What is Uninsured Motorist Coverage?<\/h2>\n
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Uninsured motorist coverage (UM) protects you financially against drivers who have no liability car insurance. If an uninsured driver causes an accident, your UM will help take care of repairs and injuries you may suffer. Since 1 in 8 drivers has no insurance in the U.S., this coverage is well worth the expense.<\/p>\n

What is Underinsured Motorist Coverage?<\/h3>\n

Underinsured motorist coverage (UIM) is protection that kicks in to help with medical and repair bills if an accident is caused by someone not carrying enough insurance to completely pay your bills. This is more common than you may think \u2014 in fact, you may be an underinsured driver yourself.<\/p>\n

Drivers who opt for the minimum liability insurance required by their state may not have adequate coverage in many situations. For instance, in California<\/a>, the minimum liability insurance required for property damage is $5,000. If another driver loses control of their vehicle on a rainy day and collides with your car, the cost of repairs could easily exceed $5,000. Although their insurance will cover that amount, you will be accountable for the remaining expenses. While you may choose to sue for the remaining amount, it may take time and may not guarantee a payout.<\/p>\n

Your uninsured motorist coverage and underinsured motorist coverage will help you pay the bills if a driver with no insurance, one with not enough insurance or a hit and run, causes you damage and\/or injury. Let a friendly Acceptance agent help you find the right insurance for you at the right price.<\/p>\n <\/div>\n \n\n\n

How Much is Uninsured Motorist Coverage?<\/h2>\n
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For the protection it delivers in a world of uninsured and underinsured drivers, this coverage is well worth the cost of a few dollars per month. On average, UM and UIM are 3-5% of your total insurance bill. That works out to $6 per month if your car insurance premium is $1,300 annually.<\/p>\n <\/div>\n \n\n

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Ready to Get a Quick Quote? <\/h2>\n
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