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What is UIM coverage?

Posted: January 27th, 2012 | Author: Austin-Personal-Injury-Blog
Categories: Bicycle Accidents, Car Accidents, Catastrophic Injuries, Drunk Driving Accident, Motor Vehicle Accidents, Motorcycle Accidents, Pedestrian Accident, Personal Injury, Personal Injury Blog, Truck Accidents, Wrongful Death

Potential clients and clients alike often what Uninsured/Underinsured Motorist Coverage is, and when it applies. Although there's no easy answer, here are answers to common questions regarding UIM coverage:

1. What is UIM Coverage?

ANSWER: UIM coverage is automatic in the state of Texas. In fact, the only way that you do not have UIM coverage is if you specifically rejected it by signing off on UIM coverage in writing. With that said, UIM coverage protects you and your family in the event that an at-fault driver that causes a collision is either uninsured, or does not have enough coverage to make everyone whole for their injuries.

2. When does UIM Coverage Apply?

ANSWER: UIM coverage applies in several different situations. Firstly, UIM coverage may in situations in which the driver that caused the collision doesn't have insurance. In that case, you would go through your insurance just as you would have gone through the opposing party's insurance. Secondly, UIM coverage may apply if the amount of the third-party's insurance isn't enough to cover your injuries. In that instance, you would attempt to recover the maximum amount allowable under the opposing party's insurance, and then go through your insurance for the rest. You insurance is allowed to take into account what you've been paid by the third party, and what you may have been paid in PIP funds in evaluating your claim.

3. What if I want to know more?

ANSWER: If you or a loved one has been involved in a car accident, truck accident, motorcycle accident, or bicycle accident and has any questions, please call an experienced personal injury lawyer that will aggressively and compassionately fight for your legal rights.

Where Zinda Law Group Practices:

We were founded in Texas and have a team of San Antonio personal injury lawyers as well as attorneys in Dallas, Austin, 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.