If an insured wants lower UM coverage than their liability limits, what must they do?

In order to obtain lower uninsured motorist (UM) coverage than the liability limits specified in a personal auto policy, the insured must actively elect to have those lower limits. This process generally involves the insured providing written consent to modify their coverage. Many states have regulations that require insurers to obtain the insured's explicit permission to reduce UM limits since this can impact the level of protection offered in case of an accident involving a driver who lacks insurance.

Choosing to simply file a claim does not adjust the coverage limits; it typically pertains to seeking compensation after an incident. Waiting for renewal would not affect the current policy limits, and decisions regarding coverage options usually need to be made proactively rather than waiting for the next renewal period. Consulting with an agent, while a useful step for obtaining information and advice, does not constitute an official election of coverage limits. Therefore, the only action that directly leads to obtaining lower UM coverage is the active decision to elect those lowered limits.