You are involved in a car accident and the other driver is at fault.
You suffer major damages — both personal injuries and property damages.
Your case is simple and you just want to be reimbursed for your monetary losses, so you contact the at-fault driver’s insurance provider to make a claim for compensation, but come to find out that the at-fault driver’s liability coverage will not cover the total cost of your damages.
Not to worry, your insurance provider offers underinsured motorist coverage.
Underinsured motorist coverage (UMC) is an affordable addition to driver insurance plans.
UMC protects you from irresponsible drivers who do not have enough liability insurance to cover your damages.
If you are involved in an accident and the at-fault driver cannot completely cover your damages, your insurance provider will step in and make up the difference owed.
UMC can save you from having to pay for an accident where another driver was at fault.
With an average of 1 in 8 people estimated to be operating a motor vehicle without insurance, having an accident with an irresponsible driver is a more likely risk than most people realize. Another form of UMC is uninsured motorist coverage.
This coverage sometimes comes with UMC, but may also be offered separately.
It covers damages that you incur from an uninsured motorist.
Some states require their drivers to carry at least some level of underinsured motorist coverage, and most insurance plans include some coverage.
Talk to your insurance provider to make sure that you have underinsured motorist coverage.
Be sure to see if your UMC also covers uninsured motorists as well.
If you do not have coverage, you should explore the idea of adding it to your insurance plan.
While it may seem like an unnecessary cost, it could save you from huge losses in the future.
From the first time Eric spoke with me and my husband, we knew he would work for us, not against us. Eric, Kristie and the entire team have been amazing.
From the moment I met them, it felt like a weight lifted – TorHoerman Law was confident, ready to fight, and truly cared about me as a person.
Rear-ended on my way to work, I ended up a patient in my own ER – TorHoerman Law took over the insurance nightmare so I could focus on getting better.
After months of chiropractic bills from an accident that wasn’t my fault, TorHoerman Law got involved and made the whole process easy – they treat you like family, not a number.
After a hit-and-run left me with a shattered leg and no idea where to turn – TorHoerman Law took over everything, got me every dollar available, and made me feel like family.
I have had many speed bumps to get over on information needed to file my claim that has had me stressing out several times, but once I have gotten in touch with TorHoerman Law I always come out with most of my problems handled. Nikki has been very much helpful in aiding me with my complaint and never lets me go feeling like I’m clueless as to what to do next. She listens and responds very efficiently and with very positive attitude and that’s always helpful. Thanks TorHoerman Law for your advice and support I appreciate all y’all have done for me.
I was in a car accident and went to the Personal Injury Team at TorHoerman Law. I met with Kristie Stephens and she was awesome, keeping me informed of what was going on, what to expect and not to hesitate to call if I need any questions answered. The staff I came in contact over the phone was Kristine Stephens, and she guided me through the whole process. I suggest the Personal Injury Team at TorHoerman Law for anybody that needs help with legal action.