What is UM and UIM?
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Questions and Answers

What is the main purpose of Uninsured/Underinsured Motorist (UM/UIM) coverage?

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Uninsured Motorist Bodily Injury (UMBI) coverage primarily helps with which of the following?

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Which type of coverage applies when the at-fault driver has some insurance, but it is insufficient to cover all damages?

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What is the key difference between UMPD (Uninsured Motorist Property Damage) and Collision Coverage?

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Why is it essential to exhaust the at-fault driver's policy before pursuing UM/UIM coverage?

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What happens to your compensation in California if you are found partially at fault in an accident?

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Which of the following situations would likely require you to use your UM/UIM coverage?

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Scenario: Jane is driving home when she gets hit by another car. The at-fault driver, however, does not have any insurance. Jane suffers injuries and needs medical treatment, and her car is also damaged.

Question: Which type of coverage would best help Jane in this situation?

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Scenario: Alex was involved in an accident caused by another driver who has insurance coverage but only the minimum liability limits. Alex’s medical bills and car repair costs exceed the at-fault driver’s insurance limits, leaving a significant portion of his expenses unpaid.

Question: Which type of coverage would help Alex cover the remaining costs in this situation?

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Scenario: Maria was in a hit-and-run accident where the driver who hit her fled the scene and could not be identified. She suffered injuries and damage to her vehicle. Maria’s insurance policy includes UM and UIM coverage.

Question: What type of coverage should Maria use to cover her injuries and vehicle damages from this hit-and-run accident?

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