What is UIM Coverage?

What is UIM Coverage?

UIM stands for uninsured or underinsured motorist coverage. It’s automatic in the state of Texas unless you specifically rejected it in writing. And if you have this type of coverage you should use it. It doesn’t raise your premiums and you’re paying a pretty penny in order to get this type of coverage. It’s way above the minimum that’s required in the state of Texas. Now UIM coverage applies in two distinct situations. One, when the responsible party doesn’t have any car insurance at all and secondly when the responsible party doesn’t have enough insurance coverage. So what your UIM coverage does is it steps into the shoes of the responsible party. So even though you’re making a claim or suing your insurance company it’s essentially suing the responsible party for their wrong doing. If you have questions about how UIM coverage works, if you have it, or how it may apply give the attorneys at Zinda Law Group a call.

Where Zinda Law Group Practices:

We were founded in Texas and have a team of Austin personal injury lawyers as well as attorneys in Dallas and Fort Worth.

 As we’ve grown we expanded out west to El Paso, Texas subsequently into Arizona adding Tucson Personal Injury Lawyers to the firm, as well as adding offices in Colorado including Denver Personal Injury Lawyers and the surrounding cities such as Colorado Springs.

Types of Cases We Handle:

We also have a team of attorneys that have experience serious injury cases such as car accidents, wrongful death and truck accidents.   We also have experience handling more complex cases such as gas explosions and drug injury cases, such as the Taxotere® Lawsuits.