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Uninsured & Under-Insured Coverage

Posted On 03/28/16

For many years, I represented many motorcyclist that are severely injured in collisions. Every time I represented a seriously injured motorcyclists, I ask them to make sure their friends have adequate uninsured and under-insured insurance coverage to protect themselves.

A few year ago, a new client (a Phoenix police officer) who was seriously injured thanked me for telling his friend to remind his friends to secure appropriate coverage. He just raised his uninsured motorist coverage from $15,000 to $100,000. The additional coverage provided him with the necessary coverage for his injury.

Uninsured (UM) and Under-insured (UIM) coverages, though optional, are essential for the protection of yourself and your family.

Uninsured motorists applies when the at-fault driver has no insurance.  If the at-fault driver does have some but inadequate insurance, then under-insured motorists coverage applies. In many states, under-insured motorist stacks on top of whatever liability coverage the at-fault driver possesses.

Typically, you can and should purchase uninsured and under-insured motorists equal to your liability limits.

Uninsured and under-insured motorist insurance applies if you are struck by a vehicle. You do not have to actually be in a car at the time the collision occurs. Therefore, if you are injured by an at-fault driver while you are a pedestrian or on a bicycle, your uninsured and under-insured coverage should apply as well.

For instance, if you are sitting on your porch and a drunk and uninsured driver loses control of his vehicle and crashes into your house, your own uninsured coverage would become available to protect you and compensate you for your injuries.  Uninsured motorist and under-insured motorist are important coverages to purchase.  They are particularly critical if you are operating a motorcycle where the likelihood of serious injury is enhanced.

If you or a loved one has been seriously injured, please contact us so that we can help you get the compensation you deserve.

Author: Stanley J. Marks
Publication Date: March 28, 2016