Uninsured Motorist Coverage

What is Uninsured Motorist Coverage

Uninsured Motorist Coverage (UM) is an addition to a standard auto insurance policy that provides coverage for damages incurred by an individual in an accident. It takes effect when the other driver is at fault for the accident and is uninsured.

UM does not pay anything to the uninsured driver in an accident, only the injured person with a policy. It ensures that when a person is injured by an uninsured driver, they can recover damages at least up to the limits of their policy. UM can cover all medical expenses brought about by an accident, cover wages that are lost as a result of the injured party not being able to work following an accident, and even cover damages in hit and run cases in which the uninsured driver flees the scene without the possibility of being identified.

UM is important because it is one of the only ways to protect against uninsured drivers in case of an accident. It prevents drivers from needing to pay extensive out-of-pocket costs in such circumstances, which increases overall well-being and financial security. UM is so important that some states require that drivers purchase them with their insurance policies, rather than letting it be optional.

More information about Uninsured Motorist Coverage

What Happens If Someone Hits You and They Don’t Have Insurance?

Car Damaged in Accident It is estimated that 1 in 8 drivers in the United States are uninsured. Unfortunately, this means if you are involved in a car accident, you may encounter an uninsured motorist. But what happens if someone hits you and they don’t have insurance?

The answer largely depends on the state you live in. Sometimes, your own insurance may cover the losses you incurred in the collision and in others, you may have to file a personal injury lawsuit.

The extent of your injuries as well as if you carry uninsured motorist (UM) coverage or underinsured motorist (UIM) coverage in your insurance policy will also determine where and how you can seek compensation.

Munley Law car accident attorneys help drivers involved in car accidents with uninsured motorists and can explain your options.

What Type Of Auto-Insurance Coverage Am I Required To Hold? […]

Reading Rideshare Accident Lawyer

The Reading rideshare accident lawyers of Munley Law know that rideshare accidents can be extremely complicated, especially when determining fault and liability. However, you have options and a right to pursue compensation for your losses and injuries. With an experienced rideshare crash attorney at your side, you will get the compensation necessary to cover your losses.

For a no-obligation, free consultation, contact the Reading accident attorneys of Munley Law. Our attorneys work on a contingency fee basis which means you pay nothing upfront and you don’t owe us a dime until your claim is settled. And, if we don’t win, you don’t pay. Time is of the essence so act quickly to begin the claims process for your Reading rideshare accident.

How a Reading Rideshare Accident Attorney Can Help

Munley Law attorneys discussing accident case

Our rideshare attorneys will help you file a ridesharing accident claim or take the at-fault parties to court. […]

Uninsured Motorist Accident Lawyers

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.

Uninsured Motorist Accident Lawyer

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, […]

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?

What to Do After a Bike Accident in Reading

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. You’ll also want to obtain the names and contact information of witnesses who observed the collision. […]

Erie Lyft Accident Lawyer

Logging into the Lyft app to get a ride home has become a convenient and safer way for residents and visitors of Erie to get to and from their destinations. However, the increased use of rideshare programs like Lyft and Uber have also caused an increase in Lyft accidents. If you or a loved one were injured in a rideshare vehicle or involved in a collision with a rideshare driver, call the Erie Lyft accident lawyers of Munley Law.

Our rideshare accident attorneys can help you navigate the claims process when you are involved in a wreck with a Lyft driver.

Why Do You Need a Lyft Accident Attorney?

Erie Lyft Accident Lawyer Like any personal injury claim, you never have to hire an attorney. However, going through the legal process alone can prevent you from getting the compensation you need for your injuries.