Underinsured and Uninsured Motorist Coverage

The Arkansas Democrat-Gazette reported this week that every fifth driver on the road is uninsured.  My experience is that most who have insurance at all are underinsured.  Minimum liability limits in Arkansas are $25,000.00.  Most surrounding states have similar low minimums.  When we tell our legislators that $25,000.00 is woefully inadequate for serious injuries, they respond, “That’s what underinsured motorist coverage is for”.  They’re right, of course.  But most people don’t know that till it’s too late.  I recommend a “check-up” with your insurance agent.  UM (uninsured) and UIM (underinsured) coverages are a bargain.

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