24 January, 2023
Written by The Barnes Firm, reviewed by Richard Barnes
Rich Barnes
President
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.
In New York State, uninsured motorist coverage (UM) is mandatory and covers accidents when the negligent driver:
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.
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:
When purchasing auto insurance in California, insurance companies are legally required to offer uninsured and underinsured motorist coverage.
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.
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.
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.
“As President of The Barnes Firm, I have dedicated my career to achieving justice in hundreds of cases for the victims of injuries caused through the fault of others. Additionally, I have been honored to have been elected by my peers to serve as president of the WNY Trial Lawyers Association.”
Years of Experience: 30+ years
Getting our clients the best results possible.
or call us at
(800) 800-0000
“Best attorney I’ve gone to, they really did try to help me once I was struck with a vehicle. I appreciate the effort you guys made.”
“It was such a pleasure to have the opportunity to have Sonia assist in our case! We are very grateful and appreciative for everything that she did for us! We would...
“Great work! Congratulations for a job well done by Angela Belty and her Team at The Barnes Firm. Thank you so much.”
“Thanks to my Attorney Yoon Kim and his assistant Jackeline, really helped me out. He thoroughly explained everything, there responsiveness seemed fine. Nice, very ...
“I’ve hired Mory Ahmadi several times over the years for various vehicle collisions. She’s always been extremely attentive and helped us get the positiv...
“If you need someone to represent you that is professional, caring and will really fight for you, call Arthur Djougourian and Theresa Wilkins. These two are now my ...
The Barnes Firm is here to help you. Our personal injury firm helps individuals and their families who
have suffered an injury in an accident.
Whether your car crash was minor or serious, any injuries sustained in an accident can be painful and costly.
All motorcycle accidents are different, the compensation you receive will depend on the circumstances surrounding your accident.
A truck accident can be catastrophic, even in low-impact crashes, if you or your family are involved, you may be entitled to significant financial compensation.
There are dozens of accidents involving school buses each year, most commonly, involving children outside a school bus.
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