Be Proactive: Protect Yourself from Uninsured and Underinsured Drivers
Frequently, we have clients who have been injured in a motor vehicle accident and find out that the negligent driver who caused the accident either did not have motor vehicle insurance or did not have adequate motor vehicle insurance to fully compensate my clients for their medical costs, lost wages, and pain and suffering incurred due to the injuries sustained in the accident.
Fortunately, many of our clients in that situation have purchased extra protection under their own motor vehicle insurance policy called Uninsured/Underinsured coverage. UM/UIM coverage essentially allows you to pursue a claim for injuries arising out of the maintenance or use of a motor vehicle when a negligent motor vehicle driver is either uninsured or has inadequate insurance coverage to compensate you for the full amount of damages incurred as a result of the accident.
In our experience, UM/UIM coverage has been an excellent resource for our clients to obtain funds for medical procedures, lost wages, and other compensation they are entitled to when such money has not been otherwise available from the negligent driver. What you should know about UM/UIM coverage is that it is a proactive form of insurance — meaning the purchase of UM/UIM motorist coverage is optional. Even if you have waived UM/UIM coverage on your policy, an experienced personal injury attorney may be able to assist you in compelling your insurance carrier to provide you with UM/UIM insurance in certain circumstances.
If you have been injured in an automobile accident as a result of the negligent conduct of someone else, you should contact us immediately at 814-315-9255 to set up a consultation.