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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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.
Can More Than One Party Be Responsible For My Easton Uber Accident? […]
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Pittsburgh Motorcycle Accident Lawyer
You need a Pittsburgh motorcycle accident lawyer who will fight for you
Pennsylvania is home to nearly 800,000 registered motorcycle riders. Unfortunately, there were more than 230 motorcycle crashes in Allegheny County alone. With less protection than that of a car or truck, motorcycle riders often suffer severe injuries when they’re hit by a car or involved in a crash. When that occurs, you will need the help of an experienced attorney in Pittsburgh to help you get compensation for your injuries while you concentrate on your recovery.
If you or someone you love suffered a catastrophic motorcycle crash, you need an attorney from Munley Laws Pittsburgh Personal Injury Attorneys, who will deliver for you. If you’re ready to see the difference the Munley Law Personal Injury Attorneys can make in your case, schedule your free consultation today.
What Compensation is Available After a Motorcycle Accident in Pittsburgh? […]
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Does Insurance Cover a Bicycle Accident in Philadelphia, PA?
When you sustain injuries and property damage due to a bicycle accident in Philadelphia, the available insurance coverage depends on many aspects. In most cases, the responsible driver’s motor vehicle and auto insurance policy will likely cover your medical bills and damages. Additionally, your auto insurance policy may cover your losses through compulsory uninsured/underinsured motorist coverage when your policy limits exceed those provided under the responsible driver’s policy limits. After a bicycle accident, an attorney must navigate the insurance claims in-depth and secure compensation for injuries and damages. Contact a Philadelphia bicycle accident lawyer for a more in-depth explanation of the insurance claim investigation and to recover adequate compensation for your injuries and damages.
Does Car Insurance Cover Bike Accidents in Philly?
A car insurance policy can cover accidents in Philadelphia. Normally, the liability coverage of the driver’s car insurance policy would pay the cyclist for the injuries sustained. […]
