[{"data":1,"prerenderedAt":202},["ShallowReactive",2],{"page:\u002Fresources\u002Fwhat-is-uninsured-motorist-coverage\u002F":3},{"meta":4,"body":201},{"path":5,"template":6,"h1":7,"heroImage":8,"author":9,"dividerGap":12,"breadcrumbs":15,"toc":24,"sidebar":37,"seo":69,"lastmod":90},"\u002Fresources\u002Fwhat-is-uninsured-motorist-coverage\u002F","article","What is Uninsured Motorist Coverage?",null,{"name":10,"updated":11},"Auto Accident Team","December 17, 2024",{"desktop":13,"mobile":14},1,0,[16,19,22],{"name":17,"path":18},"Home","\u002F",{"name":20,"path":21},"Car Accident Resources","\u002Fresources\u002F",{"name":23,"path":5},"Uninsured Motorist Coverage",[25,28,31,34],{"id":26,"text":27},"uninsured-motorist-coverage-explained","Uninsured Motorist Coverage Explained",{"id":29,"text":30},"when-does-uninsured-and-underinsured-motorist-coverage-apply","When Does Uninsured and Underinsured Motorist Coverage 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Accidents and Uninsured Motorist Claims Steps & Coverage",{"@id":149},{"@id":93},{"@id":155},{"@type":138,"@id":177,"name":178,"url":177,"image":179},"https:\u002F\u002Fwww.autoaccidentteam.com\u002Fauthor\u002Fautoaccidenstg\u002F","MMM",{"@type":142,"@id":180,"url":180,"caption":178,"inLanguage":145},"https:\u002F\u002Fsecure.gravatar.com\u002Favatar\u002Fedfe6eb4729c07aa3d52ba45c8f26bc2ac7753e35567922438e7c469aa9f630c?s=96&d=mm&r=g",{"headline":172,"description":71,"datePublished":110,"dateModified":90,"keywords":23,"image":182,"author":183,"@type":184,"name":172,"@id":185,"isPartOf":186,"publisher":187,"inLanguage":145,"mainEntityOfPage":188},{"@id":93},{"@id":177,"name":178},"Article","https:\u002F\u002Fwww.autoaccidentteam.com\u002Fresources\u002Fwhat-is-uninsured-motorist-coverage\u002F#schema-5231",{"@id":171},{"@id":140},{"@id":171},{"@type":190,"name":191,"description":192,"uploadDate":193,"embedUrl":115,"duration":194,"width":195,"height":196,"isFamilyFriendly":197,"@id":198,"isPartOf":199,"publisher":200,"inLanguage":145},"VideoObject","Importance Of UIM Coverage","This video explains the importance of underinsured motorist coverage via the Auto Accident Team.","2024-06-03T11:46:56-07:00","PT1M21S","1280","720","True","https:\u002F\u002Fwww.autoaccidentteam.com\u002Fresources\u002Fwhat-is-uninsured-motorist-coverage\u002F#schema-17657",{"@id":171},{"@id":140},"\u003Cp>Knowing \u003Ca href=\"\u002Fresources\u002F\">how to navigate the aftermath of a car accident\u003C\u002Fa> can make a significant difference in the outcome of your claim. Many drivers understand the importance of obtaining the other driver’s contact and auto insurance information as the first step to securing compensation for their losses. However, despite being required by law in most states, the driver who hit you may be uninsured and unable to compensate you fairly.\u003C\u002Fp>\u003Cp>If you’ve been injured in a collision with an uninsured driver, understanding uninsured motorist coverage is essential to recovering compensation for your injuries and losses. At the Auto Accident Team, we understand that accident victims need to know their rights and legal options. Our network of experienced car accident lawyers are committed to pursuing justice and securing the compensation you deserve. With a proven track record of achieving the best possible outcomes for our clients, we are ready to connect their experience to your case.\u003C\u002Fp>\u003Cdiv data-embed=\"youtube\" data-id=\"jq7mmxKb4Mw\">\u003C\u002Fdiv>\u003Cp>The Auto Accident team explains the importance of having uninsured motorist coverage included in your auto insurance policy.\u003C\u002Fp>\u003Ch2 id=\"uninsured-motorist-coverage-explained\">Uninsured Motorist Coverage Explained\u003C\u002Fh2>\u003Cp>Underinsured and uninsured motorist (UM\u002FUIM) coverage are essential types of car insurance all drivers should consider. Uninsured motorist coverage pays for property damage and medical expenses if you’re injured by an uninsured driver. On the other hand, underinsured motorist coverage can provide compensation for injuries and damages that exceed the limits of the other driver’s policy.\u003C\u002Fp>\u003Cp>These coverages protect you not only when you’re driving but also as a pedestrian, bicyclist, or even as a passenger in another vehicle. UM\u002FUIM coverage also provides protection in hit-and-run incidents as long as there is physical contact between your vehicle and the hit-and-run vehicle.\u003C\u002Fp>\u003Cp>Before pursuing an uninsured motorist claim, it is essential to understand the two primary coverage types: bodily injury and property damage.\u003C\u002Fp>\u003Cp>Bodily injury coverage is designed to compensate accident victims for medical expenses, lost income, and pain and suffering damages.\u003C\u002Fp>\u003Cp>Meanwhile, property damage coverage pays for repairs to your vehicle. Having an understanding of these coverages can safeguard you from others on the road, even if they choose to act irresponsibly.\u003C\u002Fp>\u003Ch2 id=\"when-does-uninsured-and-underinsured-motorist-coverage-apply\">When Does Uninsured and Underinsured Motorist Coverage Apply?\u003C\u002Fh2>\u003Cp>In \u003Ca href=\"\u002Fcar-accident-laws\u002Fcalifornia\u002F\">California\u003C\u002Fa>, victims are only able to claim uninsured and underinsured motorist coverage if the other party’s liability policy covers less than your UM\u002FUIM coverage. For example, if the at-fault driver’s liability policy and your UM\u002FUIM policy have equal coverage amounts, you would be ineligible for benefits through UM\u002FUIM. However, if you had $30,000 in UM\u002FUIM coverage and the at fault driver had a $20,000 liability policy, you may be able to claim up to $10,000 in compensation from your insurance.\u003C\u002Fp>\u003Cp>UM\u002FUIM policies have requirements and certain conditions, similar to your normal auto policy, that must be fulfilled for coverage to apply. Additionally, some policies require that UM\u002FUIM claims be resolved through mediation or arbitration rather than through the legal system. It’s crucial to review the details of your policy and partner with an experienced attorney that understands the necessary steps to pursue a successful UM\u002FUIM claim.\u003C\u002Fp>\u003Ch2 id=\"how-an-attorney-can-help-you-with-an-uninsured-or-underinsured-motorist-claim\">How an Attorney Can Help You With an Uninsured or Underinsured Motorist Claim\u003C\u002Fh2>\u003Cp>Navigating an uninsured or underinsured motorist claim can be complex, but an experienced attorney from the Auto Accident Team’s network can provide crucial assistance in the following areas:\u003C\u002Fp>\u003Cul> \u003Cli>\u003Cstrong class=\"accent\">Experienced Guidance:\u003C\u002Fstrong> An attorney can explain UM\u002FUIM coverage and requirements, ensuring you understand your rights and potential compensation.\u003C\u002Fli> \u003Cli>\u003Cstrong class=\"accent\">Evidence Collection:\u003C\u002Fstrong> An experienced attorney can gather critical evidence to support your claim including photos, witness testimonies, and police reports.\u003C\u002Fli> \u003Cli>\u003Cstrong class=\"accent\">Insurance Negotiation:\u003C\u002Fstrong> Your attorney will negotiate with insurance companies to maximize your compensation and counter undervaluation attempts.\u003C\u002Fli> \u003Cli>\u003Cstrong class=\"accent\">Litigation:\u003C\u002Fstrong> If required, your attorney will represent you in court, ensuring your rights are protected at every stage.\u003C\u002Fli> \u003Cli>\u003Cstrong class=\"accent\">Peace of Mind:\u003C\u002Fstrong> By handling the legal complexities of your claim, your attorney allows you to focus on your health.\u003C\u002Fli> \u003C\u002Ful>\u003Cp>Working with an experienced attorney enhances your chances of a successful UM\u002FUIM claim, ensuring you receive the compensation you need to recover from your accident-related losses.\u003C\u002Fp>\u003Ch2 id=\"discuss-your-case-with-the-auto-accident-team-to-match-with-an-experienced-car-a\">Discuss Your Case With The Auto Accident Team to Match With an Experienced Car Accident Attorney\u003C\u002Fh2>\u003Cp>If you have been injured by an uninsured motorist, you deserve compensation for the full extent of your injuries and other losses. At the Auto Accident Team, our \u003Ca href=\"https:\u002F\u002Flocal.autoaccidentteam.com\u002F\" target=\"_blank\" rel=\"noopener\">network of attorneys\u003C\u002Fa> is committed to fighting aggressively to secure the compensation you deserve. With a proven track record of helping clients achieve the best possible compensation, you can trust that a skilled legal professional will handle every aspect of your case.\u003C\u002Fp>\u003Cp>To schedule a complimentary case review with a trusted car accident attorney, call us at \u003Ca href=\"tel:8772362391\">(877) 236-2391\u003C\u002Fa> or complete our contact form today.\u003C\u002Fp>\u003Cdiv data-embed=\"survey\" data-src=\"https:\u002F\u002Fwww.autoaccidentteam.com\u002Fsurvey\u002Fmmm\u002F\">\u003C\u002Fdiv>\n",1792610047576]