One of the most common questions we hear from riders is: "What if the person who hit me does not have insurance?" It is a real risk — and the answer often comes down to a type of coverage most people overlook.
What is UM/UIM coverage?
Uninsured motorist (UM) and underinsured motorist (UIM) coverage protects you and your family when you are injured by a driver who has no insurance — or not enough to cover your losses. It is coverage you can add to your own policy.
Why it matters for riders
Motorcycle injuries are often severe, and medical bills add up fast. If an at-fault driver carries only minimum coverage, UM/UIM can be the difference between a fraction of your costs and a full recovery.
How we help
We review every available policy, identify coverage you may not know you have, and pursue UM/UIM claims — including when your own insurer tries to underpay. Contact us for a free review of your coverage.
