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You've been in an accident and the driver at fault is underinsured, what now?

It is common for the attorneys at to be asked about uninsured or underinsured insurance (UM/UIM). Many people don’t know what this insurance is, whether they have it on their current automobile insurance policy, or what their policy limits are. Unfortunately there are likely millions of drivers in the United States with either no insurance or who only have the minimum amount.

A serious personal injury caused by an uninsured, or underinsured, driver can destroy your entire life. What will you do to pay your medical bills, lost wages, lost ability to work or cover other damages if the other driver has no, or not enough, insurance?

The kind of insurance, and the policy amounts, that a person needs are based on each individual. However, it is important to understand why you may want to add it to your current automobile insurance policy, or if you already have the coverage, why you might want to increase your UM/UIM policy limits.

UM stands for Uninsured Motorist Coverage. UM provides coverage when people are involved in an accident with another person who does NOT have any car insurance. UM coverage also usually covers people if they are involved in a hit and run. Usually UM covers losses such as permanent injury, lost wages, medical expenses and pain and suffering.

UIM stands for Underinsured Motorist Coverage. UIM will provide coverage when a person is involved in an accident and the other driver does not have enough insurance to cover the losses. UIM covers losses similar to UM. However, UIM only comes into effect if the other driver does not have enough coverage to cover your losses strongly recommends that each driver have UM/UIM coverage. Having UM and UIM is a relatively inexpensive way to protect you and your family should you be involved in a car accident. We recommend you get as much as you can afford. It is unfortunate but often UM/UIM policies are one of the only forms of insurance available for attorneys at when we make a claim for our clients.

Please contact us at 1(855) 464-0808 or for a free legal evaluation of your claims today!

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