What is Underinsured Motorist Coverage?
Underinsured Motorist Coverage (UIM) is a provision in auto insurance policies that extends coverage to include property and bodily damage caused by a motorist with insufficient insurance coverage. It is relevant in cases in which an individual who is not at fault gets into an accident that incurs greater costs than can be covered by the at-fault driver. UIM typically covers both bodily injury coverage and property damage coverage, depending on state regulations.
UIM may cover a range of costs incurred as a result of an accident, such as medical costs and lost wages among others. For example, if a person has $50,000 in medical bills as a result of a motor accident, and the at-fault driver’s insurance only covers up to $30,000, UIM coverage can cover the remaining $20,000. UIM coverage also extends to any passengers in the vehicle of the motorist who is not at fault, even if they do not share an insurance policy.
UIM serves as a way to protect blameless motorists from accidents that are not their fault. It compensates them beyond simply the limits of an insurance policy. However, it does also protect at-fault motorists by making them not need to pay extensive out-of-pocket fees when their insurance coverage is not enough.
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Drunk Driving Accident Lawyer
If you were injured in an accident with a drunk driver, an expert drunk driving accident lawyer at Munley Law is ready to fight for your rights. When someone chooses to drink and drive, they risk their own lives, as well as the lives of everyone around them. If you have been injured in a car accident by a drunk driver, the law is on your side. If you were in a car accident because of someone else’s mistake, don’t worry; the law is on your side. You can seek justice and compensation for your injuries.
The Legal Consequences of a Drunk Driving Accident
Drunk driving is a serious offense. Since 2002, it has been illegal in all 50 states to drive with a blood-alcohol concentration (BAC) of 0.08 percent or higher. Drivers who get behind the wheel after drinking not only face criminal charges but can face civil liability for the harm they caused. […]
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How Are Medical Bills Paid After a Car Accident in Bensalem?
If you’ve been involved in a car accident in Bensalem, Pennsylvania, you may be facing not only physical and emotional challenges but also the daunting prospect of dealing with medical bills. In such a stressful time, understanding how medical bills are paid can provide you with valuable information and peace of mind. At Munley Law Personal Injury Attorneys, our Bensalem car accident lawyers have extensive experience in helping car accident victims in Bensalem and the surrounding areas navigate the complex process of medical bill payment.
Insurance Coverage for Medical Bills
One of the primary sources of payment for medical bills after a car accident is insurance coverage. In Pennsylvania, drivers are required to carry a minimum amount of auto insurance, which includes:
Medical Benefits (Med Pay)
Medical Benefits, often referred to as Med Pay, is an optional but highly recommended type of auto insurance coverage for drivers in Pennsylvania. […]
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Stroudsburg Drunk Driving Accident Lawyer
When someone chooses to get behind the wheel after drinking, they also choose to risk the lives of everyone around them. If you or a loved one has been injured in a car accident with a drunk driver, the law is on your side. At Munley Law, our Stroudsburg drunk driving accident lawyers stand up for the rights of people injured or killed in car accidents caused by impaired drivers. We have the resources, knowledge, compassion, and tenacity to get you the compensation you and your family deserve during this stressful time.
How a Stroudsburg Drunk Driving Accident Attorney Can Help
If you or your loved one have fallen victim to the negligence of a drunk driver, the emotional and physical trauma of this accident is overwhelming. Your finances are compromised with a loss of wages at stake, and there may even be a life-threatening or fatal consequence. […]
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What Happens If Someone Hits You and They Don’t Have Insurance?
It is estimated that 1 in 8 drivers in the United States are uninsured. Unfortunately, this means if you are involved in a car accident, you may encounter an uninsured motorist. But what happens if someone hits you and they don’t have insurance?
The answer largely depends on the state you live in. Sometimes, your own insurance may cover the losses you incurred in the collision and in others, you may have to file a personal injury lawsuit.
The extent of your injuries as well as if you carry uninsured motorist (UM) coverage or underinsured motorist (UIM) coverage in your insurance policy will also determine where and how you can seek compensation.
Munley Law car accident attorneys help drivers involved in car accidents with uninsured motorists and can explain your options.
What Type Of Auto-Insurance Coverage Am I Required To Hold? […]
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Allentown Pedestrian Accident Lawyer
For 65 years, pedestrian accident victims throughout the Lehigh Valley have trusted the Allentown pedestrian accident lawyers at Munley Law Personal Injury Attorneys. When you or someone you love suffers a serious injury from a pedestrian accident, your choice of an accident attorney matters. You want an Allentown pedestrian accident lawyer with the knowledge, resources, and compassion needed to get you the maximum amount of compensation you need following such a devastating accident.
Our award-winning team won’t rest until you and your loved ones get the justice you deserve. We understand your concerns and are ready to do whatever it takes to make sure you are properly compensated. Fill out our contact form or call today to schedule a free consultation today a pedestrian accident attorney.
The Importance of Hiring a Pedestrian Accident Lawyer in Allentown
The aftermath of a pedestrian accident is often a complex web of legal, […]
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