I grew up in a Pentecostal church. I mention this because, working for people who have been hurt in car accidents makes me want to evangelize for an entirely different purpose: EVERYBODY, GO BUY UNDERINSURED AUTO INSURANCE!
Reckless drivers all over Montana don’t carry any auto insurance. Or if they do, a lot of the time it only covers the minimum limits – $25,000. $25,000 seems like a lot of money until you see how fast those medical bills and lost wages add up. Not to mention your inability to carry in the groceries, sleep through the night, go hunting, hiking, camping, fishing (and all the other Montana activities that you might not be able to anymore) if you get hurt in a wreck.
So, do yourself a favor and grab your insurance policy. Look to see if you have “UM” AND “UIM”. If you don’t see those five little letters (which sometimes look like this: “UM/UIM”) pick up your phone, call your insurance representative and say, “I want UM and UIM coverage.” Also, if you don’t carry at least $100,000 in coverage, bump it up.
Can’t tell? You looked, but now your confused? No need to worry. Give me a call me. I will look at your policy for you. No charge.
What about the cost?
Underinsured policies are not very expensive. My husband and I pay about $16 for this portion of our auto insurance. That is less than many people spend on coffee in a week.
Did I mention that UM/UIM insurance attaches to you (and your family) no matter where you are or whose car you are riding in? In legalese it’s called “personal and portable.” Think of it as your own personal umbrella or body armor. Trust me, it is well worth the $16.
Okay, now go forth and check your auto insurance.