The cheapest driver on the road shouldn’t set the value of your spine.
UM/UIM steps in when the at-fault driver has no insurance — or nowhere near enough. It is the most underbought coverage in the book, and often the cheapest to fix.
The coverage, decoded.
Roughly one in eight drivers nationally carries no insurance at all, and far more carry the state minimum. If one of them hits you, uninsured/underinsured motorist coverage stands in for the liability policy they should have had — medical bills, lost wages, long-term care. It is routinely the difference between a bad month and a ruined decade, and adding meaningful UM/UIM limits typically costs a few dollars a month. Our advisors quote it matched to your liability limits by default, and we’ll show you exactly what it adds to each carrier’s number.
What this line includes
What the panel does for um / uim coverage.
01
UM/UIM quoted matched to your liability limits by default — not silently waived.
02
Advisors who explain stacking rules state by state.
03
Claims advocacy from former adjusters if the day ever comes.
Outcomes on this line.
- $42,000
Hit by an uninsured driver — the UM limits we’d insisted on paid for surgery and lost wages
The client had almost waived UM to save $9 a month. The at-fault driver carried nothing at all.
Savings figures shown are illustrative of individual client outcomes and averages across recent clients who switched; they are not a guarantee of your result. Your premium depends on your driving record, vehicle, location, coverage selections, and other rating factors.
The advisors on this line.
Daniel Reyes
Co-founder · Carrier Partnerships
Daniel built the fourteen-carrier panel — and keeps every carrier on it honest by measuring how they quote, pay, and renew.
P&C — Ohio (resident) + 24 non-resident states
Tom Varga
Claims Advocate
Twenty years an adjuster; now he sits on your side of the table and checks the settlement math.
P&C — Ohio
Asked at this desk, often.
Nothing. Like every independent agency, we’re paid a commission by the carrier you choose — it’s built into the premium whether you buy through a distributor, a captive agent, or the carrier’s own website. The rate is the same either way; the difference is that we shop fourteen carriers for it and a captive agent shops one.
More than the state minimum, almost always. Ohio’s 25/50/25 minimum hasn’t moved since 2013 while medical costs and car prices have; one ER visit can exhaust it. Our baseline recommendation is 100/300 bodily injury with matched uninsured-motorist limits — and we’ll show you the real monthly difference for your profile, which is usually far smaller than people fear.
Your carrier pays the claim; we make sure it’s paid right. File with the carrier (or call us and we’ll do it together), and our claims advocate — a former adjuster — reviews the valuation and the estimate before you accept anything. If the number is light, we push with comps and documentation. That advocacy is included, for every client, always.