Uninsured Motorist (UM) Coverage
If you were smart when you purchased your insurance, you may also have uninsured motorist (UM) coverage. With UM coverage, you can file a claim with your own insurance for damage done by an uninsured driver that has no BI coverage. UM can also compensate you when you are in a hit and run and do not know the identity of the car or driver who hit you. UM coverage will cover present and future medical expenses, present, and future lost wages, and so-called “non-economic damages” such as pain and suffering, disability, and loss of ability to enjoy life.
Underinsured Motorist (UIM) Coverage
Uninsured motorist coverage also includes underinsured motorist (UIM) coverage. UIM covers losses that are over and above the at-fault drivers BI limits.
Check Your Auto Liability Insurance Policy for UM/UIM Coverage
Your insurance company is required to offer UM/UIM coverage when you sign up for liability coverage, but you are not required to accept it. Some people reject UM/UIM coverage to save a few dollars on their premiums, but given the number of uninsured drivers on the road, UM/UIM coverage is well worth the small added expense. It is recommended that you purchase the same amount of UM coverage as your BIL limit.
Experienced Car Accident Attorneys for Accidents Caused by Uninsured Motorists
Part of the service provided by Attorney Mike Walker and his legal team is to determine all coverages that may be available to you for your accident.
Whether you are dealing with the other driver’s insurance company or your own, remember that your interests and the insurance company’s interests are different. You want to be fully compensated for your injuries and damages; they want to pay as little as possible. Make sure you are well-represented by experienced and successful personal injury attorneys in any dealings with the insurance company so that you will not be taken advantage of and paid less than you are owed. In Clearwater, call Nicoletti Walker Trial Firm for assistance with an experienced Clearwater uninsured motorist attorney.