UM Auto Insurance Coverage (Uninsured and Underinsured)

The UM portion of your own automobile insurance policy may provide monetary benefits to you in the event you are injured by the fault of someone driving an automobile. If the person at fault does not have insurance or does not have enough insurance to cover your injuries, you can obtain benefits under your own auto policy.

In addition to the UM portion of your own automobile policy, UM coverage may be available in a variety of other circumstances such as:

  • UM coverage may be available under your employer’s UM policy if the accident occurred while you were in the course and scope of your employment
  • UM coverage may be available under UM policies of other individuals that reside in your household
  • UM coverage may be available under UM policies for cars that you rent

Having UM coverage is crucial since many drivers do not have insurance or carry only minimal amounts. You can decide to purchase UM coverage and provide the amount of protection for you and your family which you decide is necessary. Even if you have health insurance you need UM coverage. UM coverage can provide benefits for medical expenses, but it can also cover damage claims for loss of wages, physical impairment, pain and suffering, and even death.

In considering how much UM coverage you may need to purchase, simply think about the expense of a major accident requiring several weeks or months of medical treatment and loss of work. Many of our clients have purchased $100,000.00, $250,000.00, or more of UM coverage. Typically, UM coverage is very affordable.

Finally, do not rely upon the advice of an insurance agent that you have “full coverage.” This means nothing! It is very important that you check your auto policy declarations page to see if you have UM coverage and how much. We will be happy to answer any questions you might have about your UM coverage.

If you or a loved one is in need of legal assistance, call Robert Boyd and Associates at (601) 925-5511or Toll Free at (866) 925-HURT or submit an online questionnaire. The initial consultation is free of charge, and if we agree to handle your case, we will work on a contingency fee basis, which means we get paid for our services only if there is a monetary recovery of funds. In many cases, a lawsuit must be filed before an applicable expiration date, known as a statute of limitations. Please call right away to ensure that you do not waive your right to possible compensation.



Robert Boyd and Associates serves the entire state of Mississippi, such as the following cities: Jackson, Clinton, Byram, Raymond, Terry, Bolton, Edwards, Brandon, Pearl, Brookhaven, Canton, Crystal Springs, Fayette, Florence, Hazlehurst, Lexington, Marion, Newton, Port Gibson, Richland, Madison, Ridgeland, McComb, Summit, Vicksburg, Wesson, Woodville, Yazoo City, Biloxi, Gulfport, Long Beach, Ocean Springs, Pascagoula, Moss Point, Pass Christian, Waveland, Clarksdale, Cleveland, Columbus, Columbia, Corinth, Greenville, Greenwood, Grenada, Hattiesburg, Magee, Tylertown, Laurel, Lucedale, Meridian, Natchez, Olive Branch, Southaven, Oxford, Philadelphia, Picayune, Starkville, Tupelo, Batesville, Aberdeen, Belzoni, Bentonia, Carthage, Kosciusko, Louisville, Cleveland, Leland, Clarksdale, Durant, Lexington, Ellisville, Florence, Flowood, Forest, Flora, Hollandale, Holly Springs, Horn Lake, Houston, Indianola, New Albany, Senatobia, Raleigh, Waynesboro, Wiggins, and Winona.

Robert Boyd and Associates is a member of NAPIL

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