It is unusual for an auto insurance policy to include UM/UIM coverage by
default. In most cases, auto insurance companies sell these policies as
an add-on for a higher monthly premium. Everyone should double-check their
insurance policy to see if they have UM/UIM coverage included. If you
do not have UM/UIM coverage, then it is highly advised by auto insurance
companies and personal injury attorneys alike that you examine your budget
and add the best UM/UIM coverage to your policy that you can reasonably afford.