Ask the next person you see – it could be a stranger: “Do you know what UM or UIM automobile coverage is? Chances are the person will give you a bewildered look and ask: “What is it?” Uninsured and Underinsured Motorist coverage, known as UM and UIM coverage, is a form of insurance that protects you against drivers who choose to drive without insurance or only bare minimal policy limits. If such a driver negligently causes an accident, your ability to recover from your injuries and secure compensation for damages is put at severe risk. You may be forced to pay for your own vehicle repairs, medical bills, lost wages, co-pays, and deductibles. You cannot even be compensated for the pain and suffering the other driver caused no matter the extent of your injures. To protect against such a nightmare scenario, drivers are offered UM/UIM coverage that allows you to make a claim against your own policy when the other driver does not have enough insurance to pay your reasonable losses. • Do I call my insurance company to make a claim or call the person’s insurance who hit me? • Who do I call to fix or replace my damaged vehicle? Is a rental car available? • I cannot miss work to attend doctor appointments. What should I do? • If I don’t know a doctor who can provide treatment, how do I find one? • If I do not have medical insurance to pay my medical bills, what other options are available? • How much should I expect in a settlement or judgment following trial? The post What is Uninsured/Underinsured Motorist Coverage and Should I Have It? appeared first on vegas west attorneys. via Blogger What is Uninsured/Underinsured Motorist Coverage and Should I Have It?
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