Underinsured Motorist (UIM) Claims
Car Accident Insurance Claim Attorney in Las Vegas
After a car accident, you will rely heavily on insurance companies to make
sure that you receive financial coverage for medical bills and property
damage. Unfortunately, many drivers find out that the "other driver"
involved in their accident isn't adequately covered by insurance.
This can present a problem for you if the other driver was the one at
fault for the accident. So what happens if you're involved in an accident
and the other motorist is underinsured?
Thankfully, the car accident lawyers at our firm have dealt with these
scenarios before and may be able to assist you with an
underinsured motorist claim (UIM). Underinsured motorist claims occur when a driver does have auto insurance,
but for some reason or the other their coverage limits are not high enough
to cover the cost of damages resulting from an accident they caused. Some
drivers are unaware that their insurance changes when they drive into
Quick UIM Claim Facts
- You can file a UIM claim when the at-fault driver doesn't have enough
insurance coverage to pay for your damages.
- Underinsured motorist claim coverage can help you avoid paying for a traffic
collision that wasn't your fault.
- Research suggests that up to one out of every seven drivers don't have
adequate car accident coverage.
Am I covered by UIM insurance?
Underinsured motorist coverage allots for both
bodily injury and property damage. This means that if your car was damaged by another driver and you were
injured as well, UIM insurance can provide coverage for both of these
things, rather than simply covering the cost of damage to your car. If
you were injured in an accident, you could be covered for medical expenses
for yourself and the other occupants of the car. Property damage coverage
through UIM can also repair your car. It is important to remember that
UIM coverage is not always automatic. Many auto insurance policies offer
this as an add-on to your current policy. UIM coverage comes at all different
amounts depending on your needs.
Many drivers choose what is typically considered "standard" and
that is to carry underinsured motorist coverage equal to the bodily injury
liability limit. Allstate Insurance puts it this way: "Since coverage
can range from $20,000 to $1 million or more, the 'right amount'
depends on your accumulated assets and risk tolerance." The one major
restriction you might face when it comes to purchasing UIM insurance is
that insurance companies typically do not like issuing UIM coverage that
exceeds the amount of a person's liability coverage. This means that
you should be able to afford to give as much as you would get in the event
that someone else causes your accident.
Call a Nevada car accident lawyer at Shook & Stone!
Phone: (702) 996-6066
If you were injured in a car accident and that accident was caused by a
driver who didn't have enough insurance coverage to fully compensate
you, then our firm could assist with a UIM claim. If you are unsure whether
or not you qualify for this type of coverage, you can consult with your
insurance company or go directly to a Las Vegas car accident attorney
at our firm. We can walk you through the car accident claims process to
see that you secure the maximum financial compensation. To learn more
about UIM coverage and your car accident, please contact Shook & Stone today.