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Serving Injured And Disabled Clients In Minnesota and Wisconsin

Is supplemental auto insurance coverage right for you?


In a prior post, we discussed whether you actually need additional insurance when you rent a car. This is a necessary question given the markup on temporary insurance policies that come with rental cars. We also have highlighted certain questions you should have for your insurance company before purchasing insurance. After all, you should know what you are buying before you sign on the dotted line (literally and figuratively).

However, we did not explain the difference between (and necessity of) uninsured coverage (UM) and underinsured coverage (UIM). As the costs of medical and rehabilitative care continue to rise, we believe that supplemental insurance coverage is an important discussion piece. 

Basically, the minimum amount of coverage required for drivers may not be enough to cover medical costs attributable to care necessary for those injured in a serious accident. Considering that the minimum amount insurance for injuries is $15,000, a week’s stay in the intensive care unit could completely deplete such coverage. This is before a person seeks monetary damages for pain and suffering, lost wages and even property damage.

So imagine if an offending driver does not have the financial resources to pay another’s medical bills in the event of a serious injury? Also, what if this same driver didn’t have insurance after all? This is when underinsured and uninsured motorist coverage comes into play.

So as we alluded to in earlier posts, it is helpful to ask your insurer detailed questions about supplemental insurance coverage through your auto policy.

The preceding is not legal advice. 

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La Crosse, WI 54601

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