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BROWN & BROWN

FAQ

FAQ

Frequency Asked Question

Right away! There are lots of pitfalls to avoid when speaking to insurance companies about the accident and when dealing with medical providers. Please call Brown & Brown right away so we can handle these things for you. 

Add-on! If you purchase the reduced-by UM, it deducts any liability recovery from the policy limit and pays you less.  

Call us! This is one of our specialties, but you only have a limited amount of time to appeal any denied claims. Let us help! 

Protect Yourself. Protect Others

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Liability and UM/UIM together offer full-circle protection.

Coverage That Protects Others

Liability insurance pays for injuries and damage you cause up to your policy limits. It doesn’t cover you, but it protects those you may harm in an accident.

Your Safety Net on the Road

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UM/UIM steps in when the other driver doesn’t have enough or any insurance.

Coverage That Protects You

Uninsured/Underinsured Motorist coverage pays for your injuries when the at-fault driver’s insurance falls short. It’s optional but essential.

Minimum Isn’t Always Enough

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Basic liability meets legal requirements but may not fully protect you.

Upgrade Your Peace of Mind

We recommend carrying higher liability and UM/UIM limits to ensure you're covered in serious accidents where costs go beyond the minimum.