Uninsured Motorist Coverage

Uninsured Motorist Coverage

Uninsured and Uninsured Motorist Coverage is a type of insurance coverage purchased through automobile insurance carriers.  Also abbreviated as UM, this insurance protects you and other passengers from those who do not carry bodily injury liability insurance.  It also protects you and other passengers if the at-fault driver did not carry enough bodily injury liability insurance to compensate you for your medical expenses.  For example, let’s say Tom’s vehicle rear-ends Joe’s vehicle.  Joe’s vehicle contains Lisa, Christina and Joe.  The accident injures all three of them.   Tom does not have bodily injury insurance,  but Joe purchased uninsured motorist coverage through State Farm in the amount of $100,000.00 per person and $300,000.00 per accident.  Lisa, Christina and Joe can all make claims against Joe’s uninsured motorist policy.  Additionally, Christina and Lisa may be able to make claims under their uninsured motorist policies.   If Tom’s policy contained an insufficient amount of bodily injury coverage, all parties could pursue claims through the uninsured motorist carrier.

What is stacked uninsured motorist coverage?  Let’s say you have two cars on your policy, both with $25,000.00/$50,000.00 UM limits.  You are not at fault and injured in an accident.   You would be able to stack the coverages, meaning you would be able to recover up to $50,000.00 per person and $100,000.00 per accident.    Stacked coverage protects you if you are injured in your car and not at fault, or injured in another person’s car.

Non-stacked UM coverage is cheaper, and is generally limited to injuries occurring in a vehicle on your policy and without the ability to stack the coverages.

If you have been injured in an accident, call the personal injury attorneys from Bottari & Doyle at 561-588-2781 for a free consultation.