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​​​​​​​​Extension Underinsured Motorist Protection

Getting into a collision is stressful enough. It's even worse finding out that the policy that covers the other driver doesn't have enough coverage.

Extension Underinsured Motorist Protection (UMP) will no longer be available for purchase or renewal after May 1, 2021. 

If you purchased Extension UMP prior to May 1, your coverage will remain in effect until your policy expires.

When it comes to auto insurance, it's a good idea to look out for yourself rather than rely on others to have enough coverage. A serious crash could leave you with medical costs for the rest of your life. Extension Underinsured Motorist Protection (UMP) increases the protection provided under your Basic Autoplan, in the event that the policy covering the at-fault driver has insufficient coverage.

How does Extension Underinsured Motorist Protection help you?

If you're in a crash where the applicable policy (the one that covers the at-fault driver) doesn't have enough insurance, your total UMP limit will cover things like medical costs, rehabilitation and lost wages for:

  • you and all members of your household in the vehicle with Extension UMP coverage*
  • you and all members of your household who are injured as pedestrians or cyclists, or in a vehicle other than your own.​​​​

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