UM: Uninsured or Underinsured Motorist
Uninsured or Underinsured Motorist coverage is arguably the most important kind of coverage you can get on your automobile insurance policy. This type of insurance insures you when you are hit by someone else, it is their fault, and they carry no BI coverage or insufficient BI coverage to fully compensate for your injury and losses related to the injury (which includes lost wages, pain and suffering, loss of enjoyment of life, etc.).
You cannot purchase more UM coverage than you carry in BI coverage, but you can elect to carry less UM coverage than you have in BI coverage. It is important to note that any insurance carrier is required to have you sign a form rejecting or selecting the amount of your UM coverage if you choose to carry less UM than BI or if you elect the non-stacking form of UM coverage (discussed below). The importance of purchasing UM coverage from your automobile insurer cannot be overstated.
Unfortunately, we often meet victims of automobile accidents who carry no UM coverage and are hit by an at-fault driver who carried no BI coverage.
At Mickey Keenan, PA, we understand that deciphering insurance policies and dealing with insurance companies can be confusing, time-consuming, and challenging. When you are injured through the fault of another driver, we are here to answer your questions and help you achieve maximum recovery for your injuries.