The Miami Car Accident Lawyer, Jonathan Perazzo, believes UM (underinsured motorist coverage) is the most valuable insurance policy coverage in the event of an accident that leads to personal injury and losses.
UM insurance coverage, or uninsured/underinsured motorist coverage, is a type of auto insurance that provides protection to drivers in the event they are involved in an accident with a motorist who either doesn’t have insurance or whose insurance coverage is insufficient to cover the damages.
Here’s how UM insurance coverage typically works:
- Uninsured Motorist Coverage: If you’re involved in an accident caused by a driver who doesn’t have any insurance, UM coverage can step in to cover your medical expenses, lost wages, and other damages, up to the limits of your policy. This coverage essentially acts as a safety net when the at-fault driver cannot be held responsible for the damages they caused.
- Underinsured Motorist Coverage: Even if the other driver has insurance, their policy limits may not be enough to cover all of your damages. In such cases, underinsured motorist coverage can help fill the gap between what the other driver’s insurance covers and the total cost of your damages, up to the limits of your policy.
UM insurance coverage is not mandatory in all states, but it’s highly recommended because it offers valuable protection in situations where you may otherwise be left to cover the costs yourself. Without UM coverage, you could be faced with significant financial hardship if you’re involved in an accident with an uninsured or underinsured driver.
It’s important to understand the specifics of your UM coverage, including the limits of your policy and any exclusions that may apply. Additionally, some states offer variations of UM coverage, such as stacked or non-stacked coverage, which can affect how much you’re able to recover in the event of an accident.
Overall, UM insurance coverage provides peace of mind for drivers by ensuring that they’re protected financially in the unfortunate event of an accident with an uninsured or underinsured motorist.
SEE WHAT TO DO AFTER AN ACCIDENT AND HOW TO FIND THE BEST LAWYER FOR YOU AFTER AN ACCIDENT
The Perazzo Law Firm is a dedicated car accident lawyer serving individuals and families who have suffered injury due to the negligence of others. With a deep understanding of the emotional toll accidents can take, our firm, a reputable Miami car accident lawyer, is committed to helping those in need.
Our news blog is designed to inform you about the latest personal injury cases and legal developments. We aim to raise awareness of the injury and loss of life that occurs in our community by sharing information from publicly available sources. As a well-established Miami car accident lawyer, we strive to shed light on the legal avenues available to those affected. However, please note that the information shared in our blog has not been independently verified, and the photos depicted are not necessarily representative of the actual event. If you notice any inaccuracies, please bring them to our attention for correction.
If you, a friend, or a relative were involved in a car accident and suffered injuries or losses, contact the Perazzo Law Firm ONLINE for a FREE initial consultation and ZERO OUT-OF-POCKET FEES to clients.
THE PERAZZO LAW FIRM – A DEDICATED MIAMI CAR ACCIDENT LAWYER
