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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Full Tort vs Full Coverage Insurance in PA: What’s the Difference?
Full tort and full coverage insurance are two distinct concepts in Pennsylvania’s auto insurance system. While it’s easy to confuse the two, a lack of clarity about your insurance coverage can lead to a rude awakening after a car accident.
Pennsylvania’s choice no-fault car insurance system gives drivers important options that directly affect their rights to compensation following a collision. While full tort insurance preserves your legal rights to pursue all damages including pain and suffering, full coverage refers to a package of protections that may or may not include a full tort selection. Understanding these differences before purchasing a car insurance policy can save you from discovering limitations too late.
Pennsylvania Auto Insurance Options
Pennsylvania operates under a unique insurance framework that combines elements of both fault and no-fault systems. Unlike traditional no-fault states, Pennsylvania offers drivers a choice in how their insurance will function after an accident. […]
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Hazleton Car Accident Lawyer
If you or someone you love suffered a serious injury in a car crash in Hazleton, don’t settle with the insurance company before speaking with a Hazleton car accident attorney at Munley Law. At Munley Law, we understand your concerns when you’ve been involved in a car crash. You may face unpaid medical bills, physical pain, emotional trauma, and an inability to work. Since 1959, we have represented hundreds of auto accident victims throughout Luzerne County. We have won multimillion-dollar settlements for injured car accident victims across our area.
If you were hurt in a car wreck and are unsure what to do next, call our Hazleton office for a free consultation with a car crash attorney. We will answer your questions free of charge and help you decide what to do next. We are available to speak with you any time of the day or night. We do not charge a fee for our legal services unless we win your case. […]
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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. […]
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York Uber Accident Lawyer
Services like Uber and Lyft 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 Lyft accident in Pennsylvania. With 65 years of experience representing car accident victims throughout York County, our legal team understands the complex nature of Lyft accident claims and the challenges you may face when seeking financial compensation from your carrier.
Our Uber and Lyft Accident Attorney Track Record
Our firm is well-versed in car accident cases with a track record of securing multi-million dollar settlements for victims, […]
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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. […]
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