Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage are critical components of your commercial auto insurance. UM coverage protects you if you're involved in an accident with a driver who has no insurance, while UIM coverage comes into play when the at-fault driver's insurance is insufficient to cover the damages. This coverage is particularly important considering the high rate of uninsured and underinsured drivers.

Imagine one of your insulation contracting vans is involved in a hit-and-run accident. The driver at fault, who eventually gets identified, has no auto insurance. In this case, your UM coverage would help cover the vehicle repair costs and medical expenses for any injured employees. Without this coverage, your business would have to absorb these costs.

Including UM and UIM coverage in your commercial auto policy is important because:

• It protects your business financially from accidents with uninsured or underinsured drivers.
• It ensures that vehicle repair costs and medical expenses are covered, maintaining your business operations.
• It provides peace of mind, knowing you're protected in a variety of accident scenarios.