Uninsured Motorist Coverage and Underinsured Coverage: How This Affects Your Case

In the ever-evolving terrain of traffic laws and insurance policies, understanding the importance of uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) is crucial for every driver. Accidents happen, and being prepared for the unexpected can make a significant difference in the outcome of your case. Therefore, our experts at Altman Nussbaum Shunnarah have explored this subject and will shed light on these coverages and how they can impact your situation. Read on to find out! 

Uninsured Motorist Coverage (UM)

Uninsured motorist coverage, commonly known as UM, is a type of insurance that provides protection in the event of an accident involving a driver who does not have insurance. Despite legal requirements for auto insurance in Massachusetts, there are still individuals who drive without proper coverage. UM steps in to bridge the gap and protect you when you are involved in an accident with an uninsured driver.

Furthermore, UM covers bodily injury and, in some cases, property damage caused by an uninsured motorist. This coverage can also extend to you and your passengers, offering financial protection for medical expenses, lost wages, and other related costs.

The importance of UM becomes evident when you consider the potential challenges of pursuing a claim against an uninsured driver. Without this coverage, you might find yourself personally responsible for covering your medical bills and other expenses resulting from the accident.

Underinsured Motorist Coverage (UIM)

On the other hand, underinsured motorist coverage, or UIM, addresses situations where the at-fault driver has insurance, but it is not enough to cover all the damages. In some accidents, the responsible party may have insurance, but their policy limits might be insufficient to compensate for the injuries and losses you have suffered fully.

UIM is designed to step in and provide additional coverage when the at-fault driver’s insurance falls short. It covers the gap between the other driver’s liability limits and the total costs of your medical bills, lost wages, and other damages. Our dedicated attorneys at Altman Nussbaum Shunnarah will work to ensure all the damages are covered, and the responsible party is held accountable.

How UM and UIM Impact Your Case

UM and UIM coverage can influence the resolution of your case after an auto accident in several ways.

If you are involved in an accident with an uninsured driver and have UM coverage, your insurance policy steps in to cover the damages. This includes medical expenses, lost wages, and other related costs resulting from the accident. Without UM, you might be challenged to pursue legal action against the uninsured driver personally. This is often a complicated and lengthy process. UM acts as a safety net, ensuring that you have financial protection in place even if the at-fault party lacks insurance.

In cases where the at-fault driver has insurance, but their policy limits are insufficient to cover all your damages, UIM becomes invaluable. If your losses exceed the at-fault driver’s liability limits, your UIM coverage bridges the gap, providing additional protection. Without UIM, you may be responsible for covering the remaining expenses, which can be financially burdensome. UIM ensures that you are not left shouldering the entire financial impact of the accident when the at-fault driver’s insurance falls short.

Having UM and UIM coverage often streamlines the claims process. Instead of dealing directly with the uninsured or underinsured driver, you can file a claim with your insurance company. This can make the process faster and less complicated, allowing you to focus on recovering from the accident rather than navigating legal complexities.

What You Should Do

To ensure you are adequately protected, reviewing your insurance policy and understanding the extent of your UM and UIM coverage is essential. If you don’t have these coverages, consider discussing them with your insurance provider. In many cases, the cost of adding UM and UIM to your policy is relatively modest compared to the potential financial consequences of being involved in an accident with an uninsured or underinsured driver.

Rely on Legal Representation

Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) play pivotal roles in safeguarding your interests during accidents. At Altman Nussbaum Shunnarah, we emphasize the importance of these coverages to ensure you are prepared for the unexpected. Understanding and securing these insurance options helps you take a proactive step towards protecting yourself and your loved ones in an unfortunate accident. If you have any questions regarding insurance settlement, call 1-(857)-239-8161 today to consult with our attorneys.

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