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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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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Reading Rideshare Accident Lawyer
The Reading rideshare accident lawyers of Munley Law know that rideshare accidents can be extremely complicated, especially when determining fault and liability. However, you have options and a right to pursue compensation for your losses and injuries. With an experienced rideshare crash attorney at your side, you will get the compensation necessary to cover your losses.
For a no-obligation, free consultation, contact the Reading rideshare accident lawyers of Munley Law. Our attorneys work on a contingency fee basis which means you pay nothing upfront and you don’t owe us a dime until your claim is settled. And, if we don’t win, you don’t pay. Time is of the essence so act quickly to begin the claims process for your Reading rideshare accident.
How a Reading Rideshare Accident Attorney Can Help
Our rideshare accident attorneys will help you file a ridesharing accident claim or take the at-fault parties to court. […]
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Pedestrian Accident Lawyer
If you’ve been struck by a car or other vehicle while walking, speak with a pedestrian accident lawyer as soon as possible. You may face medical bills, lost wages, and a long road to recovery. And on top of that, you may wonder what your legal rights are. A qualified attorney can advocate for your rights and help you get the compensation you deserve for your injuries.
Munley Law has a team of experienced pedestrian accident lawyers dedicated to helping our clients get the best possible results. We understand the physical, emotional, and financial challenges that you’re facing, and we’re here to help you every step of the way. We offer a free consultation so that you can learn more about your legal rights and options. Contact Munley Law today to schedule a free case evaluation. There is no fee unless we win your case.
The Role of a Pedestrian Accident Attorney
Being in an accident is tough, […]
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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. […]
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