As you respond to calls, it’s no surprise that various auto-related accidents can occur. That’s why, for many fire companies, having the right auto insurance protection in place is critical. One of the elements of that coverage that can be especially helpful for emergency responders is Uninsured Motorist (UM) and Underinsured Motorist (UIM) Coverage, and what you need with this coverage can vary greatly depending upon how you use your vehicles. Here’s a quick breakdown.

What is Uninsured/Underinsured Motorists Coverage?

Uninsured (UM) and Underinsured (UIM) Motorists Coverage protects your station in case one of your covered drivers is injured by a motorist who has either no auto liability insurance or insufficient auto insurance. While this coverage can be valuable, high limits are not always necessary or cost effective for every organization.

Why You May Consider Lowering UM/UIM Limits:

1. Cost
   Lower UM/UIM limits can result in a reduction in premium, helping control your insurance costs.
   
   
2. Alignment With Exposure
   If your vehicles are primarily used in low-risk environments, have limited time on the road, or are driven by experienced drivers, high UM/UIM limits may exceed your realistic exposure.
   
   
3. Coordination with Other Available Coverages
   Some organizations already maintain other protections such as workers compensation, employers’ liability, or health insurance that may respond to injuries sustained by your crew members in auto-related accidents.
   
   
4. Risk Management
   Adjusting your UM/UIM limits allows you to tailor your coverage to your appropriate insurance needs rather than selecting the highest limit available.

Take Action

We encourage you to review your UM/UIM limits as part of your insurance renewal discussion. UM/UIM coverage requirements and rules vary by state, so your specific offerings will be determined by your state’s regulations. Your agent can assist you to evaluate whether your current limits remain appropriate or if an adjustment may better serve your organization.