Uninsured Motorist Coverage: Why Your Policy Might Leave You Exposed
In my 15 years as an insurance advisor, I've seen countless drivers assume their uninsured motorist (UM) coverage fully protects them when an uninsured driver hits them. The reality is far more complex. Many policies have gaping holes—low limits, exclusions for certain scenarios, or stacking rules that reduce payouts. This article draws on real cases I've handled, industry data from the Insurance Information Institute, and comparisons of policy types to reveal why your UM coverage might not pay