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Motorcycle Insurance

Uninsured Motorists or (UM) means the other party carried no insurance at the time of the accident. In that case, your auto insurance company provides money payments to you or your family for medical expenses, salary wage loss, any permanent injuries and other losses you would have received from the other person's insurance company if they had been insured. Your payments are limited to the amount of your policy so the higher the policy the higher the potential payment.

Underinsured Motorists or (UIM) provides the same benefits as UM and means the other party carried insurance but not enough to cover all your losses. Underinsured Motorists then covers the gap between the other person's auto insurance and the amount of the UIM limits you purchased. (For example, if the negligent; operator has $40,000 policy and you have a $100,000 UIM limit, you have an additional $60,000 available to you after collecting the other party's ENTIRE $40,000 policy.)

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