Hey everybody, Andy here. I'm talking today about UM coverage.
I've spoken about it in the past in prior videos but today's topic is when you're in the need to use the UM coverage. I've had clients basically say I don't want to use it because they're afraid that their insurance rates in the future are going to go up. Well to me that makes no sense. The purpose of having insurance coverage, in particular UM coverage, is if you are hurt in an accident and the other side caused the accident and there's no coverage or not enough coverage, that's why we have UM to get money in your pocket for your pain and suffering. What's the purpose of having insurance coverage if you're afraid to use it you're paying for it. You need to use it how they decide, if it goes up or it doesn't go up, meaning the insurance companies. There's a myriad of the factors they look at it should not be a determination as to whether you want to use it or not use it. That's just my opinion.
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