IT’s a great idea to invest in adding a certain Coverage to your automobile Insurance policy called “UIM / UM” coverage. UIM stands for Under-Insured Motorist, while UM stands for Uninsured Motorist. Especially if you live in Southern California where many people drive without insurance, having this extra add-on to your policy is an awesome investment to protect yourself.  Usually the coverage costs a little bit more, but can save you a lot of money if you’re in a car accident.  Talk to your insurance agent about it!

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