Why You Need UIM Automobile Insurance Coverage in Utah, Arizona, and Idaho

When it comes to driving in the picturesque states of Utah, Arizona, and Idaho, it’s easy to get lost in the stunning landscapes and forget about the practicalities of automobile insurance. However, having Uninsured/Underinsured Motorist (UIM) coverage is essential for every driver in these states. Here’s why:

1. High Rates of Uninsured Drivers

   One of the main reasons to secure UIM coverage is the significant number of uninsured drivers on the road. According to the Insurance Information Institute, the national average of uninsured motorists is around 12%, but this number can be higher in certain areas. Utah, Arizona, and Idaho have their share of uninsured drivers, increasing the risk of encountering someone who lacks adequate insurance.

2. Protecting Yourself Financially

   If you’re involved in an accident with an uninsured or underinsured driver, the financial burden can be overwhelming. Medical expenses, vehicle repairs, and lost wages can add up quickly. UIM coverage ensures that you’re protected against these unexpected costs, providing peace of mind and financial stability.

3. Medical and Vehicle Repair Costs

   Healthcare costs in the United States continue to rise, and vehicle repairs can be equally expensive. UIM coverage helps cover these costs if the at-fault driver doesn’t have sufficient insurance. This means you won’t have to dip into your savings or take on debt to cover medical bills or repair your vehicle.

4. Legal Requirements and Recommendations

   While UIM coverage is not always legally required, it is highly recommended. Each state has its own minimum insurance requirements, but these often fall short in protecting you against uninsured or underinsured drivers. By opting for UIM coverage, you exceed these minimums and ensure comprehensive protection.

5. Peace of Mind

   Driving should be a stress-free experience, allowing you to enjoy the scenic routes and beautiful landscapes of Utah, Arizona, and Idaho. UIM coverage provides peace of mind, knowing that you’re safeguarded against the financial fallout of an accident with an uninsured or underinsured driver.

6. Inexpensive and Easy to Add to Existing Policies

   Adding UIM coverage to your existing auto insurance policy is straightforward and relatively inexpensive. Considering the potential financial risks, the cost of UIM coverage is a small price to pay for the security it offers. Most UIM policies cost pennies on the dollar. It is even less expensive to increase your UIM coverages. We at Feller & Wendt, LLC™ recommend having no less than $300,000 in UIM coverage.

7. Protect your Young Drivers!
   
   Leading Cause of Injury: For young people, particularly those aged 15-24, motor vehicle crashes are one of the leading causes of injury and death. According to the Centers for Disease Control and Prevention (CDC), car accidents are the number one cause of death among teens in the United States.
   
   Risk Factors: Young drivers are more likely to engage in risky driving behaviors such as speeding, texting while driving, and not wearing seat belts, which increases their likelihood of being involved in accidents.

   Unfortunately, even though young people are more at risk, most people insure their young drivers with the lowest policy limits. Feller & Wendt, LLC™ recommends insuring your young drivers with no less than $300,000 in UIM benefits. These benefits can help protect them if they are injured as a passenger even if they are not in their own vehicle. UIM coverage typically follows the insured person, not just the insured vehicle. This means that if you have UIM coverage on your own auto insurance policy, it can apply even when you are riding in someone else’s car.