Your Accident Lawyer Says: Buy UM Insurance
As an experienced car accident attorney fort myers florida, I recommend clients purschase UM coverage. This coverage pays for bodily injuries to you, your family members and any other person occupying your covered automobile, should they be caused by the negligence of an uninsured or underinsured motorist.
The following are examples in which UM coverage may apply:
1. If the at-fault party has no liability insurance.
2. If the at-fault party has inadequate liability coverage; or
3. If injuries result from a hit-and-run vehicle.
UM pays for medical expenses and lost wages (after your PIP coverage is exhausted) that you and your passengers may incur. This coverage also includes payment for pain and suffering if you have a permanent injury or death. Uninsured motorist insurance comes in stackable and nonstackable coverage. Companies must offer stackable coverage, but may or may not offer a nonstackable option. Contact a auto accident attorney ft myers florida if you are getting the runaround.
Stackable UM
Stackable coverage means that you may combine the coverage limits for each automobile insured under your policy. For example, you may insure three autos and obtain stackable coverage with limits of $10,000 per person and $20,000 per accident for each auto (known as 10/20 limits).
Your stackable, or combined, coverage will total $30,000 per person and $60,000 per accident. If these policies were nonstackable, then the limit of coverage for each vehicle would be $10,000 per person and $20,000 per accident. Insurance companies may offer nonstackable coverage at a reduced cost, since they will only pay the maximum amount allowed for one insured automobile.
Stay Protected: Buy UM
Look, there are a bunch of unsafe drivers out there, and changes are they don’t have insurance or have the bare minimum. Protect your family with sufficient UM insurance.
In the case iof a serious car accident, contact a car accident lawyer fort myers florida
