Underinsured Motorist Coverage

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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Can Lyft Be Held At Fault For an Accident in Philadelphia?

Lyft may be held at fault for an accident in Philadelphia if it can be proven that the driver’s negligence or Lyft’s operational policies played a part in the collision. Determining liability in car accidents can be complicated, and each case is unique.

In the case of Lyft accidents in Philadelphia, Lyft itself can also make crashes more likely through improper hiring practices, inadequate driver instruction and training, and inconsistent supervision of its drivers, among other key factors. These accidents can have devastating consequences for victims, who may face painful injuries, mounting medical expenses, costly property damage, and loss of enjoyment of life for weeks, months, or even years after the fact.

Seeking legal advice from a qualified Philadelphia Lyft accident attorney to understand your rights and options is advisable. At Munley Law, our experienced attorneys can help to determine liability in your Lyft accident case and hold the responsible parties – including Lyft – […]

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What Happens If My Lyft is in an Accident in Philadelphia?

If your Lyft is involved in an accident in Philadelphia, you should have your injuries assessed as soon as possible, contact emergency services if required, exchange information with the other parties involved, notify Lyft, and contact a Philadelphia Lyft accident attorney for specialized legal support.

Understanding the process for protecting yourself and receiving assistance following a rideshare accident in Philadelphia is vital. If you have been injured in an accident, it’s essential to speak with an experienced attorney who can identify the liable parties and seek maximum compensation on your behalf. Our board-certified lawyers can assist you with every step of the process following your Lyft accident in Philadelphia, from building your claim to speaking with insurance companies, negotiating your settlement, and representing your case in trial if necessary.

Contact our Lyft accident lawyers at Munley Law today for expert guidance after your Lyft crash. […]

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How to Deal with Insurance Claims Involving Lyft in Philadelphia

Handling insurance claims involving Lyft accidents in Philadelphia requires clear steps and attention to detail. Initially, there may be a sense of uncertainty and frustration, as car accident victims may feel unsure about the process and which steps to take, not knowing where to begin or how to navigate the process effectively, which is why it’s important to speak with a Philadelphia Lyft accident lawyer to learn what your next steps are.

Whether you were a Lyft passenger, driver, pedestrian, or third-party vehicle involved in the Lyft accident, gathering all relevant information, including accident details and medical records, is important. And if things get complicated, talking to a Lyft car accident lawyer at Munley Law who knows about rideshare accidents can help. Our award-winning attorneys can guide you through the process and ensure you receive fair compensation. Contact us for a free consultation today. […]

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Who Can Be Held Responsible for an Uber Accident in Easton, PA?

Determining liability in an Uber accident can be complex, which is why you should contact an experienced Easton Uber accident attorney as soon as possible after your crash. The skilled motor vehicle accident attorneys at Munley Law can assess the facts of your case, identify all potentially liable parties, and help you pursue fair compensation for your injuries and damages.

More than a million Uber drivers are on the road in the US at any given time. Uber accidents can occur when you are riding in an Uber vehicle as a rideshare customer or are struck by an Uber vehicle while walking or driving your car, motorcycle, or bike. We have handled many such rideshare accident cases over nearly seven decades of legal work. With award-winning motor vehicle litigation specialists and trial attorneys on staff, our team can expertly evaluate your case and fight to secure the compensation you need for a full recovery. […]

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What Kind of Compensation Can You Receive For a Lyft Accident in Easton?

Understanding what kind of compensation you can receive for a Lyft Accident in Easton is a critical first step toward protecting your rights after a Lyft accident. Unlike traditional car accidents, Lyft claims often involve multiple insurance policies, strict coverage conditions, and aggressive adjusters working to minimize payouts.

Compensation may include medical expenses, lost income, pain and suffering, and long-term costs tied to permanent injuries or reduced earning capacity. Knowing how Lyft’s insurance coverage works can make a significant difference in the outcome of your case.

A Munley Law Lyft accident lawyer gives rideshare crash victims a powerful advantage. With nationally recognized trial lawyers, a proven record of high-value verdicts and settlements, and a client-first approach, Munley Law fights to secure full and fair compensation while allowing you to focus on recovery. Contact us for a free consultation today.

How Much Compensation Could I Receive in a Lyft Accident? […]

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 Can You Sue For Wrongful Death In A Motorcycle Accident Claim?

Losing someone you love in a motorcycle accident raises the question of whether you can sue for wrongful death. In many cases, the answer is yes, you can sue for wrongful death in a motorcycle accident claim, if another person or party’s actions caused the accident and your family’s loss.

Your motorcycle accident lawyer with Munley Law can explain how these claims work, what proof is needed, and how we can help your family pursue the justice and compensation you deserve. Contact us today for a free consultation. There is no fee for our services unless we win your case.

Speak with a motorcycle accident lawyer today.

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When a Motorcycle Crash Becomes Grounds for a Wrongful Death Lawsuit

If you lost a loved one in a motorcycle crash, […]

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Lackawanna County, PA – Pedestrian Struck By Car Near I-81 South Ramp

pedestrian accident in scranton

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 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, […]

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How Are Medical Bills Paid After a Car Accident in Bensalem?

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, […]

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Uber Insurance Claims: How Do They Work in Philadelphia?

Philadelphia’s streets are constantly busy, with more people opting for rideshare services like Uber. As Uber rides become more common, so do the accidents that come with them. If you’ve been involved in an Uber accident in Philadelphia, you know how overwhelming it can be to handle injuries, medical bills, lost wages, and other damages.

Your rideshare insurance claim is vital to securing compensation, not just for your pain and suffering, but also for the financial burdens like medical expenses and time missed from work. Getting timely relief is essential when your life is turned upside down by an Uber accident. An experienced rideshare injury lawyer can help you handle the challenges of rideshare claims and insurance. Contact our Philadelphia Uber accident lawyers at Munley Law for a free consultation. It’s a risk-free opportunity to discuss your case and understand your options. […]

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Erie Lyft Accident Lawyer

Logging into the Lyft app to get a ride home has become a convenient and safer way for residents and visitors of Erie to get to and from their destinations. However, the increased use of rideshare programs like Lyft and Uber have also caused an increase in Lyft accidents. If you or a loved one were injured in a rideshare vehicle or involved in a collision with a rideshare driver, call the Erie Lyft accident lawyers of Munley Law.

Our rideshare accident attorneys can help you navigate the claims process when you are involved in a wreck with a Lyft driver.

Why Do You Need a Lyft Accident Attorney?

Erie Lyft Accident LawyerLike any personal injury claim, you never have to hire an attorney. However, going through the legal process alone can prevent you from getting the compensation you need for your injuries. […]

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The Medical Impact of Car Accidents on Victims in Hazleton

Car Accident Attorneys Dedicated to Hazleton Accident Victims

The Medical Impact of Car Accidents on Victims in HazletonAt Munley Law, we understand the life-altering impact of car accidents, which can result in severe injuries or tragic loss, burdening individuals and families with overwhelming costs and emotional turmoil. Navigating the aftermath of a car crash is challenging, especially when seeking adequate insurance claims or facing wrongful death cases. Our Hazleton car accident attorneys are dedicated to advocating for our clients, ensuring they receive the full compensation they are entitled to. We provide expert legal counsel to prove negligence to evaluate damages and engage in assertive negotiations; our focus is on securing settlements that promote your journey of recovery after a traumatic motor vehicle accident. At Munley Law, your recovery is our priority.

Understanding Car Accident Injuries

When you’re in a car crash, the sudden and forceful impact can cause a lot of harm to your body, […]

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What Types of Compensation Can I Pursue in a Hit and Run Case in Pittsburgh?

Hire a Pittsburgh hit and run car accident lawyer to maximize the compensation that you receive and are entitled to 

What Types of Compensation Can I Pursue in a Hit and Run Case in Pittsburgh?Pittsburgh, often regarded as the “Steel City,” boasts iconic landmarks such as the Point State Park fountain and the historic Phipps Conservatory. The city’s rich industrial past sits alongside a vibrant arts  scene and historic neighborhoods. However, like many urban areas, Pittsburgh is not immune to hit and run incidents that can disrupt the peace and safety of its residents. In such situations, retaining a reputable firm like Munley Law becomes essential to navigate the legal landscape and ensure victims receive the justice they deserve. If you’re a victim of a hit and run in Pittsburgh, securing a knowledgeable auto accident lawyer is crucial to ensure you receive proper compensation for damages and injuries sustained.

What is the definition of a hit and run in Pittsburgh? […]

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Lancaster Pedestrian Accident Lawyer

Get the representation to get the maximum compensation you and your family deserve

Lancaster Pedestrian Accident LawyerLancaster, Pennsylvania, boasts a rich history with landmarks like the Central Market and the Wheatland estate, home to the 15th U.S. President, James Buchanan. The Fulton Opera House stands as a testament to the city’s cultural heritage, while the Railroad Museum highlights its pivotal role in railway evolution. Visitors to the serene Amish farms are transported to an era of simplicity and tradition. Yet, these attractions bring a surge in pedestrian traffic. 

The blend of modern and historical roads increases the risk of pedestrian accidents. Such incidents near landmarks can detract from Lancaster’s charm. Local officials prioritize safety, emphasizing the balance between preserving history and ensuring public well-being. Victims of such accidents need adept legal representation. Firms like Munley Law champion these victims, ensuring their rights amidst Lancaster’s iconic backdrop. […]

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How Much Can Someone Sue for a Car Accident?

Car AccidentIn general, there is no limit to how much you can sue someone for a car accident. However, there are factors that may limit how much compensation you will recover in a lawsuit. Things like the severity of the injuries, the extent of the other party’s negligence, and the coverage of insurance policies will all limit what you can recover.

How Much Can a Car Accident Victim Sue For?

Car accident victims can sue for economic and non-economic damages depending on the severity of the wreck. The only way to really maximize the total compensation a victim may be awarded is by utilizing the legal representation of a car accident lawyer

Potential compensation a car accident victim may be awarded includes:

  • Medical expenses
  • Lost wages
  • Diminished earning capacity
  • Property damage
  • Pain and suffering
  • Loss of consortium
  • Wrongful death

The award will also depend on the severity of the crash. […]

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Pennsylvania Car Accident Lawyer Warns that Higher Unemployment Could Mean Fewer Insured Drivers

Scranton, PA, August 18, 2012 — An uptick in the number of people in Scranton/Wilkes-Barre who are out of work could heighten the risk for those behind the wheel, says Pennsylvania car accident attorney Caroline Munley.

This summer, the unemployment rate for the Scranton/Wilkes-Barre metropolitan area broke the nine percent mark for the first time since September 2011, according to the Scranton Times-Tribune. That was a full percentage point above the national average and two points above the rate for Pennsylvania as a whole.

“Unfortunately, when people lose their jobs, one thing they may do to cut costs is to cancel or reduce their car insurance,” said Munley, managing partner of the nationally recognized Pennsylvania personal injury firm of Munley Law, which has its headquarters in Scranton and offices across the state.

The law firm represents car accident victims in Pennsylvania and across the Northeast in matters that often involve car insurance issues. […]

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