Yuma gains a very large seasonal population every winter, and with it a great many unfamiliar drivers, oversized vehicles and roads carrying far more traffic than they do in July.
Uninsured and underinsured motorist cover is what answers when the other driver is from somewhere else and carries little.
Three things about roads that change character by season.
Winter brings large recreational vehicles, towed cars and drivers navigating unfamiliar roads, in volumes the local network was not built around. The collision risk for a local driver rises without anything about their own driving changing, which is an argument about limits rather than about care.
A different insurer, different state minimums and an adjuster who is not local all slow the process. Your own collision and medical payments cover work immediately and recover later, which is usually the faster route to a repaired car.
A visiting driver carrying their home state’s minimum can be entirely legal and nowhere near able to cover a serious injury. Your own underinsured motorist cover is the only thing that fills that gap, and it is routinely declined to save a small amount.
Cover for the months the roads are busiest.
They should generally match. Most policies have them lower.
It pays while an out-of-state carrier works out fault.
Your own collision is often the fastest way to a repaired vehicle.
Send your current limits, especially the uninsured motorist line.
We set UM and UIM against the traffic you actually share the road with.
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