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.
More information about Underinsured Motorist Coverage
What Should I Do If I Get Hit by a Car While Walking?
Pedestrian accidents can cause serious injuries. Unlike drivers or passengers in cars, pedestrians have no protection from impact. This makes them more vulnerable in accidents. If you are hit by a car, you may be entitled to compensation for medical expenses, lost wages, and pain and suffering. It doesn’t matter who caused the accident; if you are hurt, you have the right to seek compensation. A skilled pedestrian accident attorney at Munley Law can help protect your right to the compensation you deserve. Regardless of who was at fault for the accident, victims deserve to be compensated for the pain and suffering they have endured. Experienced pedestrian accident attorneys with a winning track record, like those at Munley Law Personal Injury Attorneys, can help to ensure that your rights are protected and that you receive the compensation that you deserve and that you are entitled to.
Steps to Take if You Are Injured as a Pedestrian in a Car Accident
- Call the police; […]
More information about Underinsured Motorist Coverage
Harrisburg Uber Accident Lawyer
Rideshare apps are growing in popularity, and Uber is no exception. In 2024, it is estimated that Uber has 131 million monthly users. While rideshare companies boast the safety benefits of utilizing their services, these drivers are still at risk for motor vehicle accidents. Knowing your legal rights is critical for passengers in an Uber or other drivers involved in the collision. If you were injured in an Uber accident in Harrisburg, call the Harrisburg Uber accident attorneys of Munley Law.
We Represent Victims of Uber Accidents in Harrisburg
According to the 2021-2022 Uber Safety Report, 153 people died in Uber-related crashes and many more were seriously injured.
At Munley Law, we represent Uber accident victims who have suffered injury. Our Harrisburg personal injury lawyers guide victims and their families through the legal process, including handling negotiations with the insurance company. […]
Read MoreMore information about Underinsured Motorist Coverage
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, […]
Read MoreMore information about Underinsured Motorist Coverage
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, […]
Read MoreMore information about Underinsured Motorist Coverage
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, or navigating your uninsured motorist coverage, […]
