What Is Underinsured (UIM)/Uninsured (UM) Motorist Coverage and Why Should Have It?

What is Underinsured (UIM)/Uninsured (UM) Motorist Coverage and why should I have it? This is common question that your Las Vegas Personal Injury Lawyer gets asked frequently. UIM stands for "Under Insured Motorist" coverage. UM stands for "Uninsured Motorist" coverage. What does that mean? It means, if the person who caused your accident does not have any insurance or has very little insurance, UIM and UM coverage protects you. If you have just basic insurance, you are protecting everyone else on the road, except you! Most people think that they are "fully" covered, but if you do not have Underinsured (UIM)/Uninsured (UM) Motorist Coverage, you are driving around naked!

When this happens most frequently is when someone else causes an accident you are in, and drives off, resulting in a hit and run. If you do not have Underinsured (UIM)/Uninsured (UM) Motorist Coverage, you will recover nothing. It is also very common for people to let their insurance lapse, so if they are in an accident, the only part of your policy protecting you is your Underinsured (UIM)/Uninsured (UM) Motorist Coverage. Also, if the other person who caused the accident had low insurance limits and you need more coverage, Underinsured (UIM)/Uninsured (UM) Motorist Coverage will kick in once the other person's insurance is maxed out.

So, your Las Vegas Personal Injury Lawyer will tell you to look at the Declarations page of your insurance policy, the page that tells you what types and how much insurance you have. If you do not see UIM or UM listed, contact your insurance agent and add it. Your Las Vegas Personal Injury Lawyer recommends Underinsured (UIM)/Uninsured (UM) Motorist Coverage limits of $50,000 or above. Next time, we will discuss advance on your potential settlement.

Komentar

Posting Komentar

Postingan populer dari blog ini

Marijuana Use And Florida Drivers

Gambar
The National Council on Alcoholism and Drug Dependence [1]   confirms that marijuana use leads to impaired drivers: “Since marijuana is the second most commonly used drug associated with drinking and drugged driving after alcohol, it is important to understand why it is particularly dangerous.   THC, the high producing element in marijuana, affects areas of the brain that control body movements, balance, coordination, memory, and judgment.  Evidence from both real and simulated driving studies indicate that marijuana negatively affects a driver’s attentiveness, perception of time and speed, and ability to draw on information obtained from past experiences. Research also shows that impairment increases significantly when marijuana use is combined with alcohol. Studies have found that many drivers test positive for alcohol and THC, making it clear that drinking and drugged driving are often linked behaviors.” All 50 states and the District of Columbia have laws ...
Baca selengkapnya

Drugs Causing Impaired Florida Drivers

Gambar
The National Council on Alcoholism and Drug Dependence [1] sets forth many disturbing facts regarding the use of alcohol and drugs by impaired drivers: ·           An estimated 32% of fatal car accidents involve an intoxicated driver or pedestrian. (NHTSA) ·           3,952 fatally injured drivers tested positive for drug involvement. (FARS) ·           Over 1.2 million drivers were arrested in 2011 for driving under the influence of alcohol or narcotics. (FBI) ·           Car accidents are the leading cause of death for teens, and about a quarter of those accidents involve an underage drinking driver. (SAMHSA) ·                On average, two in three people will be involved in a drunk driving accident in their lifetime. (NHTSA) Th...
Baca selengkapnya

Drugs Causing Impaired Florida Drivers

Gambar
The National Council on Alcoholism and Drug Dependence [1] sets forth many disturbing facts regarding the use of alcohol and drugs by impaired drivers: - An estimated 32% of fatal car accidents involve an intoxicated driver or pedestrian. (NHTSA) - 3,952 fatally injured drivers tested positive for drug involvement. (FARS) - Over 1.2 million drivers were arrested in 2011 for driving under the influence of alcohol or narcotics. (FBI) - Car accidents are the leading cause of death for teens, and about a quarter of those accidents involve an underage drinking driver. (SAMHSA) - On average, two in three people will be involved in a drunk driving accident in their lifetime. (NHTSA)   The 2013-2014 National Roadside Survey of Alcohol and Drug Use [2] by Drivers published by the U.S. Department of Transportation National Highway Traffic Safety Administration, speaks to the use of illegal and prescription drugs and impaired driving: “ In this study, for marijuana, we tested only ...
Baca selengkapnya