Get the free Uninsured and Underinsured Motorist Coverage Selection Form

This form allows the named insured to select Uninsured and Underinsured Motorist coverages for their automobile liability policy, detailing limits and premiums for multiple vehicles.

How to fill out uninsured and underinsured motorist

How to fill out Uninsured and Underinsured Motorist Coverage Selection Form

1. Review the Uninsured and Underinsured Motorist Coverage Selection Form carefully.
2. Provide your personal details such as name, address, and contact information.
3. Indicate your vehicle information including make, model, and year.
4. Decide on coverage limits by selecting the options available on the form.
5. Read through any disclosures or explanations regarding the coverage.
6. Sign and date the form to confirm your selections.

Who needs Uninsured and Underinsured Motorist Coverage Selection Form?

1. Drivers who want to protect themselves against uninsured motorists.
2. Drivers seeking additional protection against underinsured motorists.
3. Individuals who live in areas with high rates of uninsured drivers.
4. Anyone who wants to ensure financial safety in case of an accident caused by an uninsured driver.

People Also Ask about

What does $100 k /$ 300k /$ 100k mean?

The numbers in the coverage refer to the maximum amount your insurer will pay out for each type of claim. So, in a 100/300/100 policy, you would have $100,000 coverage per person, $300,000 in bodily injury coverage per accident, and $100,000 in property damage coverage per accident.

What is the UM UIM selection rejection form?

When you purchase auto insurance, you have the option to either accept or reject this coverage. The insurance selection rejection form allows you to make an informed choice about whether to include or exclude UM/UIM coverage from your policy.

Is it better to have uninsured motorist or collision coverage?

Deductible Comparison: UMPD generally has a lower deductible compared to collision coverage. This can be beneficial in reducing immediate out-of-pocket costs. Broader Coverage: UMPD can cover not just your vehicle but also other property, such as a fence or a garage, if damaged by an uninsured driver.

What's the difference between UM and UIM?

Key Differences Between UIM and UM Coverage UM Coverage: Protects you when the at-fault driver has no insurance at all. UIM Coverage: Protects you when the at-fault driver has insufficient insurance to cover the full cost of your damages.

Should I get stacked or unstacked insurance?

The main advantage of an unstacked policy over a stacked one is that it can reduce your premium. However, due to the lower bodily injury coverage limits, you may have to cover your medical costs out of your own pocket if you are injured in a car accident with an uninsured at-fault driver.

What are the disadvantages of uninsured motorist coverage?

Policy limits: Uninsured motorist coverage comes with limits, just like other insurance coverages. Severe accidents might exceed these limits, leaving you with uncovered expenses. Claim disputes: There might be disputes over the extent of your coverage and the amount you can claim, leading to potential legal battles.

Will my insurance go up if I use an underinsured motorist claim Progressive?

California Law Forbids Insurers to Raise Rates That means your rates cannot legally go up when you try to get the compensation you need and deserve after an auto accident.

Do I need uninsured motorist and underinsured motorist coverage?

California law does not require you to carry uninsured motorist (UM) or underinsured motorist (UIM) coverage—so, legally, you don't need either one. However, UM/UIM is an important and commonsense coverage to carry.

What does it mean when uninsured motorist is rejected?

What happens if I reject uninsured motorist coverage? Some states require companies to automatically include uninsured motorist coverage, and drivers can reject it when receiving a car insurance quote. If you reject this coverage, you simply lose coverage for accidents caused by uninsured drivers.

Which of the following would not be covered by uninsured motorist coverage?

The insured causes a head-on collision with the car of an uninsured motorist. This is the only listed scenario that uninsured motorist coverage would NOT apply to, as the insured is the one at fault in this accident.

For pdfFiller’s FAQs

What is Uninsured and Underinsured Motorist Coverage Selection Form?

The Uninsured and Underinsured Motorist Coverage Selection Form is a document that allows policyholders to choose whether to accept or reject additional coverage for injuries or damages caused by an uninsured or underinsured driver.

Who is required to file Uninsured and Underinsured Motorist Coverage Selection Form?

Typically, all drivers who are purchasing auto insurance and reside in states that mandate this coverage are required to file the Uninsured and Underinsured Motorist Coverage Selection Form.

How to fill out Uninsured and Underinsured Motorist Coverage Selection Form?

To fill out the form, policyholders must provide personal and vehicle information, review the coverage options presented, indicate their choice regarding uninsured and underinsured motorist coverage, and sign the form.

What is the purpose of Uninsured and Underinsured Motorist Coverage Selection Form?

The purpose of the form is to inform policyholders about the uninsured and underinsured motorist coverage options available to them, ensuring they understand their choices and can make informed decisions about their insurance coverage.

What information must be reported on Uninsured and Underinsured Motorist Coverage Selection Form?

The form typically requires the policyholder's name, address, insurance policy number, vehicle details, and the selection of coverage options, along with the signatures of the policyholder and the insurance agent.