The Information Resource For Accident Victims In Pennsylvania

What is Underinsured vs. Uninsured Motorist Coverage?

UM coverage protects you and your family in the event you or your family members are injured in a car wreck by an “uninsured motorist.” An uninsured motorist is defined as a driver who doesn’t carry his own coverage and also defined as a hit-and-run driver who flees the scene of an accident. Therefore, if the at fault driver is uninsured or leaves the scene, or in some cases a drunk driver, if you purchased uninsured motorist coverage on your auto insurance policy, your insurance company steps into the shoes of the at fault driver and you and your family can seek injury compensation up to the limits of the amount of coverage that you purchased.

UIM coverage protects you in the event the at fault driver did not carry enough insurance coverage. If the at fault driver had a minimal liability policy, in other words, a 15,000/$30,000 liability policy, and you and your family members all sustained injuries that exceeded $30,000 in value, you/your family members would be able to collect $30,000 in coverage from the at fault driver’s insurance policy ($15,000 maximum per person) and then you would be able to make a claim against your own insurance company for UIM benefits up to the amount that you purchased in UIM benefits.

One thought on “What is Underinsured vs. Uninsured Motorist Coverage?

  1. If my medical expenses get covered by his insurance and they are almost completely covered, can i still receive the full amount under my own underinsured..for the pain and suffering

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