What Is Uninsured & Underinsured Motorist Coverage?

Being involved in a motor vehicle accident can be a stressful experience, especially if the negligent driver does not have insurance. If you or a loved one were injured in an accident caused by an uninsured driver, you can still seek financial compensation and file an accident claim.

Uninsured (UM) or underinsured (UIM) motorist insurance covers your injuries and damages in an accident if the other driver does not have any, or enough, auto insurance coverage. At The Barnes Firm, our team of personal injury lawyers have many years of combined experience dealing with insurance companies and various types of auto insurance coverage. Our attorneys are knowledgeable in UM and UIM coverage and will work hard to get you the best result possible for your accident case. Call us today at (800) 800-0000 for a FREE case evaluation. It could be the best call you make.

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Uninsured and Underinsured Motorist Insurance in New York

In New York State, uninsured motorist coverage (UM) is mandatory and covers accidents when the negligent driver:

  • Has no insurance
  • Is operating a stolen or unregistered vehicle
  • Cannot be identified

The minimum requirement for UM coverage in New York is $25,000 per person and $50,000 per accident.

Supplementary underinsured motorist coverage (SUM) is optional in New York. SUM coverage applies when your damages exceed the policy limits of the at-fault drivers insurance coverage. Purchasing SUM further protects you if you are injured in a motor vehicle accident by an uninsured or underinsured driver.

Uninsured and Underinsured Motorist Insurance in California

In California, both uninsured and underinsured motorist insurance coverage are optional and can be added to your auto insurance policy. Our team of auto accident attorneys recommend purchasing UM/UIM coverage, so you are protected in the event you are involved in an accident when:

  • The at-fault driver does not have insurance
  • The at-fault driver does not carry enough insurance to cover your medical bills and damages from the accident

When purchasing auto insurance in California, insurance companies are legally required to offer uninsured and underinsured motorist coverage.

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Do I Need a Lawyer to File an Uninsured Motorist Claim?

It is always a good idea to consult with a skilled personal injury lawyer at The Barnes Firm before speaking with an insurance company. Understanding UM, UIM, and SUM claims can be complicated without the help of an experienced attorney guiding you through the process. Our team of personal injury attorneys at The Barnes Firm can help you get the financial compensation you deserve after an accident with an uninsured driver.

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Speak With An Experienced Attorney At The Barnes Firm Today

If you or a loved one were injured by an uninsured or underinsured driver, The Barnes Firm is here to help. When you partner with our Firm, our team of attorneys will evaluate your case for FREE, help answer any questions you have, review and investigate your accident, what led up to it, and the circumstances surrounding it, hold all negligent parties responsible, and negotiate with the insurance company so you can focus on recovering from your injuries.

Our trusted team of lawyers will guide you on how to make an uninsured or underinsured motorist claim and work hard to help you get the best result possible. Call The Barnes Firm today at (800) 800-0000 for a FREE case evaluation.

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