Contrary to its name, uninsured motorist coverage coverage extends beyond just uninsured drivers. It aids in covering damages caused by uninsured motorists, hit-and-run incidents, or even insured individuals with insufficient coverage. Leveraging UM insurance is particularly beneficial in personal injury cases, where it shields clients from motorists unable to cover car damage or passenger injuries adequately. For instance, in a case involving a 5-car pile-up due to another driver’s negligence, where the at-fault party had minimal insurance, UM insurance bridged the financial gap, covering extensive medical bills.

In navigating UM insurance, it’s crucial to grasp the nuances between “add-on” and “off-set” policies. Insurance companies, driven by profit, often prioritize minimizing payouts. “Off-set” UM coverage restricts payouts if the at-fault party possesses any insurance, rendering the coverage ineffective in numerous scenarios. Opting for “add-on” UM coverage ensures additional protection, independent of the at-fault party’s insurance status. Prioritizing “add-on” policies is vital for comprehensive coverage and peace of mind in the event of an accident.

Many individuals only realize the importance of UM coverage after facing the consequences of being underinsured. At Rohan Law, our experience with auto injury cases highlights the common regret among clients unaware of such protective measures. By advocating for UM coverage and MedPay, we aim to empower individuals to secure adequate protection before an accident occurs. Proactive measures significantly enhance the likelihood of substantial compensation post-accident, shielding individuals from undue financial strain.