When you’re driving around beautiful cities like Phoenix , Tempe , Chandler , Scottsdale , or Gilbert , you should feel confident that you’re protected against any potential mishaps. Unfortunately, not all drivers carry adequate auto insurance , and some may not have insurance at all. This can lead to complicated situations if you’re ever in an accident. That’s where Uninsured/Underinsured Motorist (UM/UIM) coverage comes in—a crucial part of auto insurance that many Arizona drivers overlook. Here’s everything you need to know about UM/UIM coverage and why it’s essential for drivers in Arizona.

Uninsured Motorist (UM) coverage provides protection if you’re involved in an accident where the at-fault driver does not have any insurance. In Arizona, while it’s illegal to drive without insurance, the reality is that many drivers still do. If you’re hit by someone without insurance, UM coverage ensures that your medical bills, lost wages, and other expenses are covered.

Underinsured Motorist (UIM) coverage, on the other hand, steps in when the at-fault driver has insurance, but their policy limits are too low to cover your expenses fully. With UIM coverage, you can be confident that you won’t be left with a financial burden if the other driver’s policy falls short.

Arizona has a high rate of uninsured drivers, which means the likelihood of encountering an uninsured or underinsured motorist on the road is significant. For drivers in Phoenix, Tempe, Chandler, Scottsdale, and Gilbert, carrying UM/UIM coverage offers an added layer of security on the road.

Arizona’s minimum liability limits for auto insurance are often not enough to cover serious accidents. A standard liability policy may pay out the minimum required by law, but that amount may not be sufficient if the accident is severe. UM/UIM coverage helps make up the difference, protecting you from paying out-of-pocket for expenses that could otherwise be overwhelming.

Peace of Mind : With UM/UIM coverage, you know that even if the other driver isn’t adequately insured, your insurance policy has you covered. Financial Security : Medical bills, lost wages, and other expenses after an accident can add up quickly. UM/UIM coverage helps prevent those costs from falling solely on you. Protection Against Uninsured and Underinsured Drivers: With a high number of uninsured drivers on Arizona roads, UM/UIM coverage is essential.

At Riseson Insurance , we recommend choosing UM/UIM coverage limits that match your liability limits. For example, if your liability coverage is set at $100,000, consider matching this amount for UM/UIM to ensure consistent protection. While Arizona doesn’t require UM/UIM coverage, having it as part of your auto insurance policy offers invaluable protection.

At Riseson Insurance, we understand the specific needs of Arizona drivers. Our experienced team is dedicated to helping clients in Phoenix, Tempe, Chandler, Scottsdale, and Gilbert find the right insurance coverage that fits their unique lifestyle and budget. We’ll work closely with you to assess your risk level; coverage needs and provide tailored options for UM/UIM coverage.

Whether you’re looking to add UM/UIM coverage to an existing policy or need a brand-new auto insurance policy, we’re here to help! Reach out to us today to learn more.

Protect yourself against the unexpected on Arizona roads. Contact Riseson Insurance at 602-460-5470 to speak with a local agent who understands your needs and can guide you through your options for Uninsured/Underinsured Motorist coverage. Don’t leave your financial security to chance—secure the coverage you need today.

By staying informed and adding UM/UIM coverage to your policy, you can drive with confidence knowing you’re protected. Give us a call at 602-460-5470, and let’s get started on a policy that gives you peace of mind on every drive.

What is Uninsured/Underinsured Motorist Coverage?

Why Arizona Drivers Need UM/UIM Coverage

Key Benefits of UM/UIM Coverage

How Much UM/UIM Coverage Do You Need?

Why Choose Riseson Insurance for UM/UIM Coverage?

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1. Peace of Mind : With UM/UIM coverage, you know that even if the other driver isn’t adequately insured, your insurance policy has you covered.
2. Financial Security : Medical bills, lost wages, and other expenses after an accident can add up quickly. UM/UIM coverage helps prevent those costs from falling solely on you.
3. Protection Against Uninsured and Underinsured Drivers: With a high number of uninsured drivers on Arizona roads, UM/UIM coverage is essential.