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.
TorHoerman Law was responsible for handling a medical case for our family. I was extremely impressed with their professionalism and ability to react quickly. They also did a nice job keeping us updated with the case throughout the process. This was the first time experiencing a situation like this and Tor Hoerman law did an excellent job from start to finish.
TorHoerman Law is an extraordinary law firm – a firm that truly makes the client’s best interests the primary concern. Their team of personal injury lawyers are experienced, personable, and well versed in a range of litigation areas. They are supported by a dedicated team of staff that are as equally friendly and helpful. I would recommend TorHoerman Law for any personal injury litigation needs.
All of my questions were answered quickly and in a way I could understand. Steve and the entire staff were friendly and professional.
I highly recommend this law firm! The attorneys and staff at THL worked hard, communicated every step of the process, kept me well informed at all times, and exceeded all expectations! The staff is kind, considerate, professional, and very experienced. Look no further, call now!
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A wonderful and professional legal team. They helped me when I needed expert legal representation! Thank you TorHoerman Law!