I'm Cassondra Sells, owner of Sells Insurance in Arvada. I'm an independent broker, so my service is free to you (the insurance companies pay me), and I shop several carriers to find the right coverage for you. This is one of the coverages I ask every client about.
What UM/UIM covers
- Uninsured motorist (UM): pays for your injuries when the at-fault driver has no insurance.
- Underinsured motorist (UIM): pays when the at-fault driver's limits are too low to cover your injuries.
Why I recommend people think hard before rejecting it
- Your own health insurance may have deductibles, caps or networks.
- Lost wages and pain and suffering aren't health insurance problems.
- You don't get to choose who hits you.
How much UM/UIM should you carry?
Many people match their UM/UIM limits to their liability limits. That's a coverage decision, not a price question, and I'll walk through it with you.
Check your current policy
Look at your declarations page. If UM/UIM is missing or lower than your liability limits, let's talk. Get free quotes from several carriers on our auto page or call (720) 634-7497.
General information only. Your policy terms control.