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Uninsured and Underinsured (U/UIM) insurance is the coverage many of my clients depend on when tragedy strikes. Yet it should not take tragedy to make good people realize the potential benefits of the U/UIM provision of their auto insurance policies.
The oft-misunderstood U/UIM insurance provision protects you, personally, even if you are nowhere near your insured automobile. Alaskan Law provides that U/UIM covers you if you are injured by a un/underinsured motorist – even if you yourself are not in or near the vehicle on which you have your original insurance policy. The coverage kicks in you when the person in the motorized vehicle who hurts you does not have insurance, or when they have too little.
Furthermore, your U/UIM provision may protect your family members and other occupants of your insured car.
No case is the same. If you think you might have a claim, you should check with a qualified attorney to determine if your claim may be covered by U/UIM insurance. Whatever you do though, don’t take the word of your insurance carrier. The insurance carrier is the party that pays the claim and, all too often, unfortunately, looks for any reason to deny it.
Although many of my clients do indeed depend on the U/UIM portions of their insurance policies, I try to advise people not to wait for calamity to occur to make sure they are protected with as much U/UIM insurance as they can afford. Cost wise, it is reasonably inexpensive to increase the U/UIM portion of most motor vehicle insurance policies, and it is money well spent. Look into it.
Meantime, be careful out there, and be safe.

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