Why you should have UM/UIM limits of $250K

Today topic is going to be why you should increase your uninsured motorist and underinsured motorist limits under your car insurance policy to $250k.

Example number 1: Our client gets hammered by a uninsured driver. He spent a few day at a hospital.

The doctor saying that he may need neck surgery, which cost around $100k.

He ... You know, I just said driver that hit him did not have insurance at all.

So, we are force to go under his car insurance policy. Unfortunately, his limits are the minimum ones. $25k.

We got him that under his policy. But, again as I said his surgery alone is gonna cost over $100k.

That's why you should increase your uninsured motorist policy to $250k.

If he had that, he wouldn't be titled to which would it made much easier for him to get over this life event.

Example number 2: Why you should have $250k in underinsurance motorist coverage.

It's similar story.

Our client gets hammered. By a underinsured driver, which mean that, again our client spent a few days at a hospital.

Doctor said that she needs to have neck surgery. That cost estimate about $150k.

Unfortunately, the other driver only had $25k in a coverage. The insurance company paid that out and we initialy looked at his underinsured policy and he did not have it at all.

I mean, she didn't have it at all. Therefore, she was stuck with getting only $25k instead of $250k if she had that coverage.

So, again, that is why is important for you. Go talk to your insurance agent. Is not that expensive to increase your uninsured and underinsured motorist policy limits to $250k.

Do it today. Protect yourself. Protect your family. Nobody ever wants to be involved in a car accident, but they happened.

If you have any question for me don't hesistate to call me at 314-352-6800.

Thank you very much, and have a good day.

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