Even though it is illegal to drive without car insurance in 49 states, some people still choose to do so. Uninsured motorist coverage applies if you, an insured motorist, have been in a motor vehicle accident and the other driver does not have insurance.
For more information regarding uninsured motorist coverage, contact Zinda Law Group today at (800) 863 5312. Your first consultation is 100% free and you will not pay us anything unless we are successful in winning your case.
DO I NEED UNINSURED MOTORIST COVERAGE?
Uninsured motorist (UM) coverage protects you against individuals driving without insurance coverage. More specifically, with this type of coverage, the insurance company will pay for the injuries, death, or property damage to the insured individual if the accident was caused by another driver who does not have insurance. Although some states require uninsured motorist coverage, others do not.
Whether you need UM insurance will depend on the laws of your state and your specific wishes. Contact Zinda Law Group today for more information.
John (Jack) Zinda
Founder / CEO
Over 100 years of combined experience representing injured victims across the country.
Available 24 / 7|Free ConsultationIS UNINSURED MOTORIST COVERAGE NECESSARY?
Unless you live in a state which requires uninsured motorist coverage, it is not legally necessary; however, UM insurance will aid you in the scenario where you are involved in an accident with an individual who is uninsured or in a hit-and-run accident.
If you have any questions regarding uninsured motorist insurance, contact Zinda Law Group today.
Neil Solomon
Partner
Real results matter. We do not get paid unless we win your case.
Available 24 / 7|Free ConsultationWHICH STATES REQUIRE UNINSURED MOTORIST COVERAGE?
Approximately 12.6 percent of the country’s driving population is uninsured. With this high number, many states now mandate uninsured motorist coverage.
The states which require UM coverage include:
- Connecticut
- District of Columbia
- Illinois
- Kansas
- Maine
- Maryland
- Massachusetts
- Minnesota
- Missouri
- Nebraska
- New Hampshire
- New York
- North Carolina
- North Dakota
- Oregon
- South Carolina
- South Dakota
- Vermont
- Virginia
- West Virginia
- Wyoming.
Keep in mind that the minimum liability limits on these mandates vary per state, so it is important to contact a Zinda Law Group attorney in your state to discuss specific requirements.
Jason Aldridge
Attorney
Standing by 24 hours a day, 7 days a week ready to answer in your time of need.
Available 24 / 7|Free ConsultationARE HIT-AND-RUN ACCIDENTS COVERED BY UM?
If you have been involved in a hit-and-run accident where the at-fault driver does not provide his or her insurance information, your UM insurance may apply as many insurance companies will consider the fleeing driver as uninsured.
Whether your UM coverage applies is determined by state law and your specific insurance plan, so it is important to understand both before filing a claim.
Cole Gumm
Attorney
We are here to ensure you won’t have to face this difficult time alone.
Available 24 / 7|Free ConsultationTHE DIFFERENCE BETWEEN UNINSURED AND UNDERINSURED COVERAGE
Uninsured or underinsured motorist coverage provides benefits when you are involved in a wreck with an uninsured or underinsured driver. If you are involved in a wreck with an uninsured or underinsured driver, your insurance company steps into the shoes of the other driver and provides benefits.
A driver is underinsured when their liability limits are insufficient to cover the damages the injured party incurred. On the other hand, a driver is uninsured when he or she does not have any insurance whatsoever. The high number of uninsured and underinsured drivers on the road today make this kind of coverage a vital component of your auto insurance policy. The additional premium for this coverage is generally just a few dollars more per month.
If you have been involved in an accident with an uninsured or underinsured driver, contact Zinda Law Group today.
HOW UNINSURED AND UNDERINSURED MOTORIST COVERAGE WORK
Uninsured or underinsured motorist insurance in Texas is automatically included with your car insurance unless you’ve specifically rejected it in writing. Although similar, these coverages are applied in two separate situations:
The first situation is when the responsible party doesn’t have any insurance at all. Even though Texas requires insurance, approximately 15-20 percent of individuals driving do not have valid insurance coverage. In this scenario, you’d use your UM coverage, and your insurance company would step into the shoes of the responsible party and attempt to make you whole.
The second situation is if the responsible party is underinsured. This means that they don’t have enough insurance to make you whole. In this case, you would first try to get as much insurance as you could from the responsible party. Next, you’d go to your insurance company, through your underinsured coverage, and ask them to make up for the difference.
If you have any questions about how uninsured or underinsured motorist coverage works, or whether you have it, give the attorneys at Zinda Law Group a call.
HOW MUCH DOES UNINSURED MOTORIST COVERAGE COST?
Although the premiums for uninsured motorist coverage are generally less expensive than other car insurance policies, this may not be true in states with a high percentage of uninsured drivers. In some situations, drivers can take out UM coverage for as little as $5 or $10, in addition to their monthly payments.
If you have any questions regarding underinsured or UM coverage, or have been in an accident with an uninsured driver, call a Zinda Law Group personal injury attorney today at (800) 863 5312 to set up your free initial consultation. You do not have to worry about paying us anything unless we are able to win you compensation in your case. That is our “No Win, No Fee Guarantee.”
Jason Aldridge
Attorney
We have successfully represented clients in a wide variety of cases across the country.
Available 24 / 7|Free Consultation
