Talking Insurance

Talking Insurance with Shane: The Hidden Risk in Your Auto Policy: Why UI/UIM Coverage Matters

By Mt. Franklin Insurance | May 9, 2025

In this video, Shane Lipson, MD and Certified Insurance Counselor breaks down one of the most important yet often misunderstood parts of auto insurance: Uninsured and Underinsured Motorist (UI/UIM) coverage.

With more drivers carrying state minimum limits—or no insurance at all—UI/UIM coverage can make the difference between being fully protected or being stuck with major out-of-pocket expenses after an accident that wasn’t your fault.

Here’s what you’ll learn:

  • What UI/UIM coverage actually does

  • Why it matters whether you’re a personal or commercial driver

  • What happens when the at-fault driver can’t pay for your damages

  • How to ensure your policy protects you against real-world risks

At Mt. Franklin Insurance, we’re here to help you understand what’s really in your policy—and make sure you have the protection you need, whether you’re driving for yourself or your business. Serving El Paso and San Antonio, we’re just a call or click away.

Contact our knowledgeable team today to review your policy and explore whether UI/UIM coverage is right for you. Click here to get a quote.

Watch on YouTube

You May Also Like

Talking Insurance

Talking Insurance with Shane: Is Your Business Protected Online?

In today’s digital age, cyber threats are a growing risk for businesses of all sizes. From data breaches to ransomware attacks, the financial and reputational...

May 9, 2025
Mt. Franklin Insurance

Talking Insurance

Talking Insurance with Shane: Commercial Insurance for New Businesses

Starting a new business is exciting, but it’s also a time to make sure you’re protecting your hard work with the right commercial insurance. In...

May 9, 2025
Mt. Franklin Insurance

Talking Insurance

Talking Insurance with Shane: 4 Essential Coverages for Specialty Trade Contractors (Subcontractors)

Are you a subcontractor or specialty trade contractor like a framer, painter, roofer, electrician, or plumber? Having the right insurance for subcontractors is crucial to...

May 9, 2025
Mt. Franklin Insurance
Find Your Nearest Office

El Paso, TX

915-599-2900

San Antonio, TX

830-360-8660

info@mtfranklin.com

Find a Location

Dedicated to Your Protection

Our founding mission is to deliver clients clarity of services unmatched by any other agency in El Paso or Las Cruces. It forms the cornerstone of how we view our partnership with you and serves as the basis of every action we take on your behalf. This mission is built upon the pillars of unmatched experience, local service and values, unparalleled access to carriers, and planning for you all year long.

© 2025 Mt. Franklin Insurance | All rights reserved | Privacy Policy

Get in touch with our friendly agents today!

Get a Quote! Call Us