If you’ve been in an accident with an uninsured motorist (UM), or you’ve been in a hit-and-run and the driver cannot be located, UM coverage will pay out your medical bills and expenses after the accident. Underinsured motorist coverage will cover the cost of damages when they exceed the responsible party’s limits in liability insurance. This is crucial especially if you have sustained serious injuries from the accident. If you’ve been in an accident with an uninsured or underinsured driver, it is wise to consult a personal injury lawyer before dealing with the insurance company to make sure you receive the maximum compensation for your injuries.
