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Does Uninsured Motorist and Underinsured Motorist Coverage is Helpful?

By Adam Meek Subscribe to RSS | April 3rd 2012 | Views:
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Geoffrey D. Wilber

Ask someone why they need insurance coverage for their automobile and you are likely to get several similar answers. Many will talk about the need to make sure their car is repaired if they ever happen to be in an accident. Others will tell you about the need to make sure they are protected in case they accidentally back into another vehicle or get into an accident where they cause significant damage to someone else’s vehicle and maybe even cause that person to be injured. Most people understand the notion that insurance provides you protection from being personally responsible for causing damage to someone else or their vehicle. However, most people do not understand or even think about what sort of protection their own insurance provides or could potentially provide them if someone else injures them and that person does not have ANY insurance or does not have ENOUGH insurance. So, to grab information regarding various laws and policies of insurance, one can take help of motorcycle accident lawyer Milwaukee.

Uninsured Motorist and Under insured Motorist Coverages (UM & UIM Coverages) are specifically designed and intended to protect someone if they are injured in an motorcycle accident Milwaukee and the person who caused the personal injuries milwaukee did not have insurance or did not have enough insurance. UM & UIM Coverages are insurance coverages often associated with automobile policies and personal umbrella policies.UM and UIM Coverages provide protection in addition to general liability protection.

Uninsured Motorist (UM) Coverage protects someone who has been injured in an accident caused by someone who did not have any insurance coverage (an uninsured motorist) at the time of the accident. In that situation, your insurance company will provide you with coverage for your injuries and associated losses as if they provided coverage for the uninsured motorist who caused the accident. Your insurance company assumes responsibility for the uninsured motorist's actions and provides you reimbursement for your losses such as incurred medical bills, lost wages and pain and suffering. In short, UMcoverage provides you protection if you are ever injured by an uninsured motorist.

In the State of Wisconsin, insurance companies are legally required to provide you with UM Coverage any time you pay for general liability coverage for your automobile. If you buy car insurance in Wisconsin, you will have UM coverage attached to your policy of insurance. Underinsured Motorist (UIM) Coverage protects someone who has been injured in an accident caused by someone who did not have enough insurance coverage (an underinsured motorist) at the time of the accident. This generally applies to situations where the person who caused the accident and subsequent injuries had insurance coverage on their vehicle, but their coverage provided only the minimum amount required by law. In such a situation, your insurance company will provide you with coverage in addition to the coverage provided by the at-fault, but underinsured motorist.

Unlike UM Coverage, insurance companies are not legally required to provide UIM Coverage when you purchase automobile insurance. In Wisconsin, you have to specifically ask to have UIM Coverage applied to your overall insurance policy.

It is illegal to drive an automobile in the Wisconsin without insurance on that vehicle. However, there remain a large number of drivers who continue to drive without insurance or without enough insurance. It is extremely important to protect yourself and your loved ones by having sufficient Uninsured and Underinsured Motorist Coverages available for your automobile and personal umbrella policies. Call your insurance agent today to make sure you are properly protected. Please remember, that the current minimum limits are simply not sufficient in providing adequate protection.

Adam Meek - About Author:
Gruber Law Offices, LLC is proud to be the recipient of the 2010 Shepherd Express Readers' Choice Award for Best Personal Injury Lawyers in Milwaukee. For more details on injury attorney milwaukee and injury law firm milwaukee than please visit our website.

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