Increasing Your Insurance Protection
Doubling UM/UIM Coverage
What is the most important part of any motorcycle (or auto) insurance policy?
The most important part of your motorcycle or auto insurace policy is your
What is UM/UIM ?
UM/UIM is Coverage against Uninsured Motorist / Under Insured Motorist
Where do you find it ?
You'll find it listed as UM/UIM on your policy's declaration page, stating
your coverages. This is really important to motorcyclists.
What they don't tell you...
Some Insurance companies in the industry do not want you to know about this
coverage because it's low profit and high risk for them. They would prefer
to sell only the minimum
UM/UIM required by law (usually 20/40)
and that is a distinct disadvantage to you, the motorcyclist.
Why is UM/UIM so important?
Connecticut law requires every motorcycle (and auto) insurance policy carry these two
forms of coverage. UM/UIM Insurance covers you if you are
injured by a negligent driver who has no
or too little insurance to pay for your injuries and damages.
Uninsured Motorist (UM)
means that the other party carried no insurance at the time of the accident.
UM does for you?
If you are involved in an accident caused by an
Uninsured Motorist, your
UM provides money payments to you or your family from your insurance company for medical expenses, wage loss, permanent injuries and other losses you would have received from the other person's insurance, if they had been insured.
What UIM does for you?
Under Insured Motorist coverage
(UIM) provides the same benefits as UM
and is useful when the other party carried insurance but it wasn't enough
to cover all your losses. UIM
covers any gap between the other person's insurance and the total amount
of UIM that you
How does UIM work ? Here's the easy math...
For example, if the negligent driver has a $20,000
policy and you have $100,000 UIM
limit, you have an additional $80,000
available to you after collecting the other party's entire $20,000
Some good reasons to purchase higher UM/UIM...
There are good reasons why you should purchase high limits of UM/UIM coverage.
UM/UIM coverage is very inexpensive (pennies per day) . The folowing
facts should help convince you to carrry a lot of UM/UIM insurance,
Is minimum UM/UIM good enough?
80% of all car vs. bike accidents are the fault of the car's driver
Motorcyclists are far more likely to be seriously injured in an accident
When serious injury occurs, the other driver's insurance coverage is often non-existent
Some Bikers thought their minimum UM/UIM (20/40)
was adequate, only to find themselves vastly undercompensated when they
were hurt in an accident.
Therefore, if your insurance company or its agent suggests low limits of UM/UIM insurance
or that you reduce your UM/UIM coverage, they are not giving you the best
protection. It's in your best interest to get the highest UM/UIM coverage
How can I increase my UM/UIM Coverage?
Connecticut, when you buy liability insurance, you automatically get an
equal amount of UM/UIM coverage. However, under Connecticut law, you can
then increase your UM/UIM limits up to twice the amount of your liability
limits. (For example, if you buy $100/300
liability policy, you can double your UM/UIM coverage to $200/600
and the insurance company cannot refuse your request).
under Connecticut law, the Insurance Company cannot refuse this request.
Since UM/UIM is the least expensive part of your motorcycle policy, you can double
your protection at very little cost. In short, when purchasing motorcycle
insurance or for that matter, auto insurance, it is best to first focus
on protecting yourself from the uninsured/underinsured driver.
best and cheapest form of life and health insurance?
This is accomplished by buying the highest amount of liability insurance you
can afford and then requesting double the UM/UIM coverage. UM/UIM insurance
is simply the best and cheapest form of life and health insurance you can
buy to protect yourself and your family and the insurance company cannot
refuse your request when you say, "please double my UM/UIM coverage."
How can I reduce the overall cost of my motorcycle insurance in order to purchase
higher UM/UIM limits?
See M/C's list of possible Policy Discounts that may reduce your overall
cost ** .
Percentage of discounts vary between insurace companies that we underwrite. Maximum discounts may apply.
M/C Motorcycle Insurance
Motorcyclists - Insuring - Motorcyclists
For over 30 Years
Connecticut, Rhode Island,
New Hampshire, Maine & Colorado
Toll Free: 877-624-6748
information is offered for the benefit of anyone purchasing motorcycle
or auto insurance to protect themselves. However, since time and space
constraints do not permit an in depth discussion of all aspects of UM/UIM,
the information contained herein does not constitute legal advice. If you wish further legal information or more detailed information, please feel free to contact Haymond Law for the legal aspects of UM/UIM.