Whenever you get behind the wheel in Pittsburgh, PA, it’s important to protect yourself with proper and sufficient insurance. Drivers without uninsured motorist (UM) and underinsured motorist (UIM) coverage have a greater risk of experiencing financial hardships and, in some cases, even personal lawsuits. Understanding both uninsured and underinsured motorist coverage is essential for anyone living and working in Pittsburgh, PA. At Daniel Carinici Agency LLC, we can work with you to determine which UM or UIM policies are right for your needs.
Uninsured Motorist (UM) Coverage in Pittsburgh
UM, or Uninsured Motorist coverage in Pittsburgh, can help protect you anytime you’re involved in an accident with another driver who is not insured. This can help cover lost wages, medical expenses, and damages that you have sustained (up to existing policy limits). UM insurance will also apply to hit-and-run accidents or any incident in which the driver cannot be officially identified.
Underinsured Motorists (UIM) Coverage
Underinsured motorist coverage is essential when you require coverage for serious accidents, damages, and lost wages. UIM covers financial needs that are not currently covered by a standard insurance policy. Drivers in Pittsburgh can benefit from both UM and UIM policies, ensuring that any gaps are filled and taken care of in the event of an accident or a non-driving incident.
As a driver or resident in Pittsburgh, PA, obtaining proper motorist coverage is essential to protect yourself from potential medical expenses, damage to your vehicle, and even lost wages. Whether you drive for a living or you’re a resident of Pittsburgh, it’s imperative to familiarize yourself with your insurance options before settling on a policy that’s right for you. To learn more about both uninsured and underinsured motorist coverage options that are optimal for you in Pittsburgh, contact Daniel Carinici Agency LLC for your quote and consultation today.
