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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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 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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Abington Car Accident Lawyer
Nestled just outside Philadelphia, Abington is a charming town with a vibrant community. However, like any place, it is not immune to the unfortunate occurrences of car accidents that can disrupt the lives of its residents. Abington, Pennsylvania is at particular risk where car accidents are concerned, given its status as a commuter town. Many Abington, PA residents commute in Philadelphia during the week, which can lead to heavy traffic and a high chance that a car accident may occur en route. When the unexpected happens, seeking the guidance and expertise of Abington’s car accident lawyers at Munley Law becomes essential.With their deep understanding of local traffic regulations and a commitment to serving their neighbors, the Abington car accident lawyers at Munley stand ready to assist Abington residents in their pursuit of justice and fair compensation. If you have sustained injuries in a car crash in Abington or the greater Philadelphia area, […]
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How Much Compensation Can I Get for a Philadelphia Pedestrian Accident?
If you or a loved one have an injury from a Philadelphia pedestrian accident, medical care and expenses can
accumulate quickly. Injured pedestrians have no physical protection when struck by a moving vehicle, and severe injuries are usually the unfortunate outcome. In the most devastating scenarios, a wrongful death leaves families grappling with expenses while mourning their loss.
Insurance companies will offer minimal settlements early to motivate quick turnarounds and to avoid higher payouts. Do not agree to any settlement without consulting an accident attorney; any monies accepted make future negotiations off the table. Contact an experienced Philadelphia pedestrian accident lawyer at Munley Law for your free case evaluation to help assess the value of your claim.
Damages that May Be Recovered in a Pedestrian Accident
According to the National Institutes of Health (NIH), […]
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Uninsured Motorist Car Accidents
Being involved in a car accident is stressful enough, but when you find out the at-fault driver is also uninsured, you may wonder what options you have for financial recovery. Your insurance company may offer some vague answers, but with the help of a Pennsylvania uninsured motorist lawyer, you can rest assured you’ll get the compensation you need to recover from your injuries.
If you were involved in a car accident with an uninsured driver, call a car accident lawyer at Munley Law for a free, no-obligation consultation.
How Can a Car Accident Lawyer Help Me With My Claim?
While you never have to hire a personal injury lawyer for an uninsured motorist claim, there are benefits to doing so.
From dealing with the insurance company, guiding you through a civil case against the driver directly, […]
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What to Do After a Bike Accident in Reading
If you are involved in a bike accident in Reading, contact a Reading bicycle accident attorney who can provide free consultation on a potential claim and help you get reasonable compensation as quickly as possible. It is important to know the appropriate steps to maintain personal safety and preserve one’s rights in court.
What Should You Do Following a Bicycle Accident?
To avoid further injury, Try to get to a safe location. Ensure you are alright, and seek medical care and immediate medical attention for everyone involved.
If someone is injured or has substantial property damage, quickly inform the police. Obtain a duplicate of the police report.
Share your contact and insurance information with the other parties involved, including drivers, passengers, and witnesses. Make a point of noting the vehicle’s color and license plate number. […]
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