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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Pennsylvania Motorcycle Accident Lawyer
Motorcycle riders are some of the most vulnerable people on the road. When drivers don’t safely share the road with bikers, the consequences can be devastating. Because motorcycles are smaller than cars, they can be easily missed in a driver’s blind spot. And, without any physical protection from the impact of a crash, the injuries can be life-altering. If someone else’s negligence caused you to suffer serious injuries, the Pennsylvania motorcycle accident lawyers at Munley Law can help make things right.
Start with a no-obligation consultation to discuss your case and understand your rights and options. Munley Law operates on a contingency fee basis, meaning you pay nothing unless we win your case.
How Often Do Motorcycle Accidents Occur in Pennsylvania?
There are more than 794,000 registered motorcyclists in the Commonwealth of Pennsylvania.
According to the National Highway Traffic Safety Administration (NHTSA), […]
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Can I Sue Uber As a Passenger After an Accident in Allentown, PA?
Yes, it is possible to sue Uber if you were in an accident as a passenger in Allentown, PA. Unfortunately, Ubers experience car accidents just like any other vehicle. And after such an accident, you’ll need an Allentown Uber accident lawyer at Munley Law to help with your accident claim.
What is Uber’s Liability for an Auto Accident in Allentown?
Uber has frameworks in place to protect itself from liability in the event of an accident. They treat their Uber drivers as independent contractors, not employees, which helps mitigate the company’s responsibility. When a driver is an independent contractor, they are more easily held responsible for their actions rather than those actions reflecting on the company as a whole.
That being said, there are still situations where the company, not the Uber driver, may be liable. […]
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What Should You Do After a Hit and Run Car Accident in Williamsport, PA?
Each year, thousands of drivers find themselves victim to a hit and run car accident on the roadways or in a parking lot. When the initial shock ends, victims are left in battles with the insurance company, mounting medical expenses, and property damage. Knowing what to do after a hit and run car accident in Williamsport can be critical to the success of your personal injury claim.
A Williamsport car accident lawyer at Munley Law can guide you through the next steps if you were involved in a hit and run accident.
What is a Hit and Run Car Accident?
A hit and run accident is a collision involving a car, pedestrian, or piece of property where one driver flees the scene, leaving the victim without information to contact them for the next steps. Hit and run accidents differ from other automobile accidents because the victim must utilize their auto insurance alone to recoup damages. […]
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What Kind of Compensation Can You Receive for a Lyft Accident in Bethlehem, PA?
Being involved in a Lyft accident can leave you bewildered and uncertain about what to do next. It’s completely understandable to feel this way. However, Pennslyvania has laws to help you seek compensation for any injuries or damages incurred due to the accident. If you’re unsure about how to seek compensation, don’t worry. The Bethlehem Lyft accident lawyers at Munley Law are here to help. Let’s review the different forms of compensation that may be available to you.
Understanding Your Right to Compensation
Living in Bethlehem, knowing your legal rights is essential if you’re involved in a Lyft accident. Pennsylvania law safeguards accident victims, ensuring you can seek financial recovery for the damages you’ve incurred. This process, known as seeking compensation, allows you to claim for various losses. These could include your medical bills, loss of earnings due to your inability to work, […]
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Navigating Uninsured and Underinsured Motorist Claims in Pennsylvania
Navigating the aftermath of a car accident in Pennsylvania can be challenging, particularly if it involves an uninsured or underinsured motorist. Knowing your rights and understanding the complexities associated with any claims made against these parties is 
paramount in order to receive fair compensation, and this is where an experienced Pennsylvania car accident lawyer becomes invaluable.
Munley Law understands the difficulties and frustrations you may experience when handling uninsured/underinsured motorist claims. These claims can leave you feeling helpless, vulnerable, and uncertain of the steps necessary to secure your financial future. Our aim is to offer guidance and support during this journey so that no one feels isolated by their struggle alone.
What Are Uninsured and Underinsured Motorist Claims?
Understanding uninsured motorist coverage and underinsured motorist claims can be the key to protecting your rights following a car accident in Pennsylvania. […]
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