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Uninsured Motorists or Underinsured Motorists

What Is Uninsured Motorist Or Underinsured Motorist Protection And Why Should I Have It?

uninsuredUninsured Motorist or Underinsured Motorist Protection is also known as UM/UIM for short. They are an additional layer of coverage offered by insurance companies. UM will protect you when you’re involved in a collision with another driver who does not have liability insurance, while UIM will cover you when you’re involved in a collision with an at-fault driver and the liability limits are too low to cover either the medical expenses or damage. UM and UIM insurance coverage is designed to financially protect you from other negligent drivers. Here in Washington State UM and UIM insurance are not required. However, UM and UIM insurance are a good thing to have. This is because it will protect you when another negligent driver causes a collision and they either do not have enough liability insurance, do not have any liability insurance at all, or worst of all, they hit you and take off, committing the crime of hit and run.

While you may think that you don’t need UM/UIM insurance coverage, our Everett personal injury attorneys can assure you this is not true. According to the Insurance Information Institute, one in eight drivers in the United States is Uninsured. This figure is even higher in Washington. Furthermore, the minimum amount of liability insurance required in Washington is only $25,000. This limited amount of insurance will likely not be enough to cover your injuries should you be involved in a serious car wreck. UM/UIM insurance can save you from having to pay for a car accident that wasn’t your fault. It is affordable and can save you from financial hardship.

Your Insurance Company Is Not Your Friend

There are issues that can arise when using your UM/UIM coverage. Your insurance company essentially takes the place of the at-fault drivers insurance. This makes obtaining payment from them difficult. Your insurance company will turn against you and you won’t know what to do.

Here at the Law Offices of Matthew D. Dubin, our Everett insurance dispute lawyers have experience dealing with insurance companies. We know how to deal with not only the at-fault drivers insurance who caused the collision, but your insurance as well. We have the experience and expertise to handle any and all personal injury cases. We pride ourselves on compassion and on vigorously fighting on behalf of our clients.

Contact One Of Our Car Accident Lawyers Today!

If you’ve been injured in a car accident, truck accident, motorcycle accident, or any kind of collision on the roads, and you do not have UM or UIM insurance coverage, or if you are experiencing difficulties dealing with your insurance company regarding UM or UIM insurance coverage, our experienced Everett personal injury lawyers can help. To schedule a free consultation to discuss your collision, call us at 425-243-9935. You can also contact our law office online by email or chat. Our Everett attorneys make home and hospital visits when needed. We handle all personal injury cases on a contingent fee basis. This means you will not pay attorney fees unless we recover compensation for you.