What Does Underinsured Motorist Mean? (Ultimate UM Guide)

People commonly ask, “what does underinsured motorist mean?” The term, “underinsured motorist,” is defined by your insurance contract. In most Florida insurance contracts, Underinsured Motorist means the at-fault party doesn’t have enough, or adequate, insurance to fully compensate you for your losses and injuries caused by their negligence. For example, let’s assume there is a…

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What is UM Insurance? (Ultimate Guide to Uninsured Motorist)

UM Insurance is the MOST Important Insurance You Can Buy: UM insurance stands for both Uninsured Motorist and Underinsured Motorist insurance. It’s the MOST Important insurance you can buy. It protects you and your family if you or they are injured in a motor vehicle accident. Why is UM or Uninsured Insurance So Important? Because…

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What 10/20 Insurance Policy Means

What Policy Means What insurance policy limits mean and how it’s distributed People ask me what the policy limits are and what 10/20 means. Ten/twenty means there is $10k of coverage to pay each person in an accident. There is also a combined total of $20k of coverage. The first number, 10, is the maximum…

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Insurance Companies Secrets

5 Secrets Insurance Companies Don’t Want You to Know How to protect you and your family’s rights when dealing with insurance companies Ever notice how cute and harmless the Geico gecko seems? How soothing the AllState guy, Dennis Haysbert’s, voice sounds? Or the pleasant thoughts that fill your mind when hearing something compared to “a…

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