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.
More information about Underinsured Motorist Coverage
Lackawanna County, PA – Pedestrian Struck By Car Near I-81 South Ramp
LACKAWANNA COUNTY, PA (February 26, 2025) – A man was struck by a car near an I-81 South exit ramp in Scranton on February 26.
According to news reports, emergency crews responded to the intersection of the I-81 South ramp and Main Avenue around 7 a.m after a 63-year-old man was hit by a car while crossing the street.
The man was taken to the hospital with life-threatening injuries. He later died at the hospital.
The crash is under investigation.
Pedestrian Accidents in Scranton
Pedestrian accidents in Lackawanna County present serious concerns for residents and visitors alike. The urban landscape of Scranton and surrounding communities creates unique hazards where pedestrians and vehicles interact daily. Many of these car accidents occur at poorly marked crosswalks, during adverse weather conditions common to northeastern Pennsylvania, or in areas with inadequate street lighting.
Pedestrian victims face significant challenges. […]
Read MoreMore information about Underinsured Motorist Coverage
York Uber Accident Lawyer
Services like Uber are convenient, but these vehicles are exposed to all the same risks as any other car on the road. In 2023, Pennsylvania reported over 1,200 rideshare-related accidents, with York County accounting for approximately 8% of these incidents. These accidents often involve complicated insurance policies, multiple liable parties, and strict reporting deadlines that can impact your ability to recover damages.
A York Uber accident lawyer at Munley Law can help protect your legal rights after a rideshare accident in Pennsylvania. With 65 years of experience representing car accident victims throughout York County, our legal team understands the complex nature of Uber accident claims and the challenges you may face when seeking financial compensation from your carrier.
Our Uber Accident Lawyer Track Record
Our firm is well-versed in car accident cases with a track record of securing multi-million dollar settlements for victims, […]
Read MoreMore information about Underinsured Motorist Coverage
Underinsured Motorist Coverage Pain and Suffering: Understanding Your Rights and Maximizing Your Claim
According to the Insurance Research Council, nearly 8% of Pennsylvania drivers are uninsured, putting thousands of responsible drivers at financial risk from a car accident. Thankfully, uninsured and underinsured motorist coverage includes the victim’s pain and suffering in Pennsylvania—but that’s not all you need to know.
When an uninsured driver causes a crash that leaves you injured, your uninsured or underinsured motorist coverage steps in to protect you. This protection extends beyond just medical bills and lost wages—it can provide compensation for your physical trauma, emotional distress, and reduced quality of life.
However, insurance companies often minimize or deny these claims, especially when it comes to pain and suffering damages. They may question the severity of your injuries or try to attribute them to pre-existing conditions. […]
Read MoreMore information about Underinsured Motorist Coverage
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. […]
Read MoreMore information about Underinsured Motorist Coverage
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. […]
Read More
