Understanding Uninsured Motorist Coverage (UM)
Hi, I’m Michael S. Ashworth. I am the Tulsa Personal Injury Lawyer. Uninsured motorist coverage is a type of insurance that comes in handy when you’re in an accident with another driver who doesn’t have any insurance. This could be a hit-and-run situation or a driver who doesn’t have insurance even though it is mandatory in Oklahoma. With UM coverage, your insurance company will step in and pay your medical bills and other expenses related to the accident. It doesn’t matter who is at fault.
Having UM coverage is particularly important in Oklahoma as it has a high number of uninsured drivers. Even if you’re a safe driver, you can’t control the actions of other drivers on the road. Therefore, it’s always wise to have UM coverage as a safety net in case you’re involved in an accident with someone who doesn’t have insurance.
What is Underinsured Motorist Coverage (UIM)?
Underinsured motorist coverage is similar to UM coverage, but it comes into play when the other driver has some insurance, but it’s not enough to cover all the costs associated with the accident. Let’s say, for instance, that you’re in an accident, and the other driver is at fault. However, they only have a $50,000 liability limit, and your medical bills and other expenses amount to $100,000. In such a case, your underinsured motorist coverage will kick in and cover the difference up to the limits of your policy.
It’s worth noting that UIM coverage only comes into play if the other driver is at fault. If you’re responsible for the accident, UIM coverage won’t be activated.
Get in Touch with a Personal Injury Attorney for Legal Assistance
Dealing with insurance companies after an accident can be overwhelming, especially when you’re dealing with injuries and trying to get medical treatment. Having the right insurance coverage can make a significant difference in your ability to get the compensation you deserve. At Wirth Law Office, we have a team of dedicated personal injury attorneys who can help you navigate through the complicated process of dealing with insurance companies.
If you’ve been involved in an accident and have questions about UM or UIM coverage, don’t hesitate to reach out to a car accident attorney in Tulsa, Oklahoma at Tulsapersonalinjurylawyer.pro. We offer a free consultation to help you understand your legal options.
