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Imagine getting injured in a car wreck and calling the police out to the accident scene. The police issues a ticket to the person causing the accident, not just for violations causing the car wreck, but for driving without any insurance!

You go home, disappointed you have a banged up vehicle along with some soreness. You take a couple tylenols and call it a night. After sleeping through the night, you wake up feeling pain in your body. You want to make an appointment to treat your new injuries, but you’re upset the person who caused your injuries didn’t have any insurance, now you’re stuck with pain and soreness that you have to pay for your medical expenses out of pocket! These bills can add up, but you may not be on your own. Let me explain.

Having UM/UIM can help you in these times. UM/UIM is an abbreviation, standing for uninsured motorist and underinsured motorist coverage. If you have this coverage in your insurance policy, your insurance company takes the place of the uninsured driver’s insurance company. This means you can make a claim for damage to your vehicle, as well as your injuries, with your insurance company.

Either you, or an experienced personal injury attorney, can file an uninsured motorist coverage (UM) claim, and submit your medical bills to your insurance company, demanding payment of these bills, along with demanding payment for other damages, such as pain and suffering, lost wages, and more.

The same thing is true if you file an underinsured motorist coverage (UIM) claim with your insurance company. This may be necessary if the party causing your injuries has insurance coverage, but not enough coverage to pay for the damages they have caused. This allows you to use your UIM coverage when the insurance coverage of the person causing your injuries gives you the maximum amount of money they can under their insured’s policy. You can then use your UIM coverage to collect an amount money over what injuring party’s insurance company is obligated to pay.

The UM/UIM coverage is additional coverage to Louisiana’s mandatory liability coverage for automobile accidents. Insurance companies are obligated to offer you UM/UIM coverage when you initially acquired automobile insurance coverage from your provider. The insurance company cannot raise your insurance rates as a result of you filing a claim under UM/UIM coverage. If it does, they become subject to penalties and fines governed by the state, as all Louisiana insurance companies owes a duty of good faith and fair dealing.

If you have been injured in a car wreck and/or you have questions about UM or UIM coverages, don’t take any BS from the insurance companies. Call Attorney Brady Skinner, “The No B.S. Attorney” for a free consultation.


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None of the information contained in this website is intended as legal advice for the purposes of creating an attorney-client privilege, nor is the information contained here a substitute for an actual consultation with The Law Office of Brady Skinner, LLC.

Post Author: Brady Skinner III