Uninsured Motorist (UM) and Under Insured Motorist (UIM) Coverage. In today’s episode, Louisville personal injury attorney Jim Desmond discusses UM/UIM Coverage. Uninsured Motorist and/or Under Insured Motorist coverage is generally used for pain and suffering claims and uncompensated medical expenses.
Your uninsured motorist coverage and under insured motorist coverage must be in place before the collision occurs. Bodily injury coverage refers to the amount your policy will pay for the other person, not you.
You can have coverage as a named insured and others may be covered under resident relative concept. UM/UIM coverage can apply to resident relatives.
Jim Desmond discusses various situations, including a bus accident requiring multiple claimants to file against a single driver. He explains how UM/UIM coverage can be an added layer of protection. If there are multiple injured parties, the attorneys will work to help decide how the coverage will be divided among the victims.
If you are hesitant to file a claim in an automobile accident, it begins as a personal injury claim, not a lawsuit. You’re trying to recover from the at-fault driver via negotiations. If you can’t reach an acceptable settlement, your attorney can file a lawsuit. In most cases though, you’re going after the insurance company that is covering the at-fault driver.
The no-fault carrier has a lien against the case for the amount it paid. If you can figure out the policy limits of the at-fault driver, your attorney can petition the at-fault driver’s insurance company pay the victim directly. This may avoid having the no-fault carrier recover the lien. It’s complicated, but your attorney understands whether it’s possible in your case.
You can contact Jim Desmond at www.AttorneyDesmond.com. His cell phone is (502) 609-7657. Follow the links on his website to his Facebook page, where you’ll be able to follow him and keep up to date with new information about personal injury law in Kentucky and Indiana.
The information provided on this podcast is for general informational purposes only. It should not be construed as legal advice and does not constitute an attorney-client relationship. You should seek the advice of an attorney for guidance related to your specific situation. I am only licensed in Kentucky and Indiana, so the general advice provided may not apply outside of those states.
This podcast maybe freely shared, but may not be the modified or edited in any way. This is an attorney advertisement. Co-host Jim Ray is a non-attorney spokesperson.