In addition to choosing between “Limited Tort” and “Full Tort”, choosing to have Uninsured and Underinsured benefits can be one of the most important decision you can make for your family. In most crashes that cause serious injuries in Pennsylvania, the driver causing the accident does not carry enough insurance to fully compensate the injured victim. Uninsured and Under-insured motorist coverage (also called “UM/UIM”) is relatively inexpensive. Purchase the highest amount of UM/UIM coverage you can afford. This coverage is one of the least expensive benefits on your policy and may well be the most important. In addition, you should choose to “stack” the coverage so that you can multiply the amount of coverage that your family can receive. If you would like guidance on the type of insurance that is right for your family, please feel free to contact our office.