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.
Understanding Uber’s Insurance Policy
Insurance policies, […]
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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), depending on the details and nature of your injuries, […]
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Uninsured Motorist Car Accidents
Have you been injured by an uninsured or underinsured driver? At Munley Law, we understand how frustrating and overwhelming this situation can be. Our experienced uninsured motorist accident lawyers specialize in helping victims navigate the complex world of uninsured motorist (UM) and underinsured motorist (UIM) claims nationwide.
Don’t let someone else’s lack of insurance leave you struggling with medical bills and lost wages. Contact our car accident lawyers today for a free consultation. We don’t get paid unless you win.
Understanding Uninsured and Underinsured Motorist Coverage
While you never have to hire a personal injury lawyer for an uninsured motorist claim, there are benefits to doing so.
When another driver causes an accident but doesn’t have insurance—or doesn’t have enough insurance to cover your damages—your own uninsured/underinsured motorist coverage becomes essential. This coverage exists specifically to protect you in these situations, […]
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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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Who Can Be Held Responsible for an Uber Accident in Easton, PA?
Determining liability in an Uber accident can be complex, especially considering the different phases of the Uber app and the involvement of multiple parties. An experienced Easton Uber accident attorney, such as 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 U.S. at any given time. Uber accidents can occur when you are riding in an Uber vehicle as a rideshare customer or struck by an Uber vehicle while walking or driving your car, motorcycle, or bike.
We can navigate the legal process on your behalf, negotiate with insurance companies, and, if necessary, represent you in court to protect your rights.
