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The Advantages of Carrying UM and UIM Coverage

As we all know, accidents are unpredictable and can change one's life in an instance.  Unfortunately, some driver's do not comply with the law and carry  insurance coverage.   This can leave the victim of an accident in difficult situation, if they do not have the right insurance coverage.      

 To ensure that you and your passengers are protected, you should review your automobile insurance policy to determine if  you have uninsured motorist (UM) coverage and underinsured motorist (UIM) coverage. 

UM coverage can pay for your medical bills, lost wages, and pain and suffering if you are in an accident and injured by someone who did not carry insurance and/or were hit by a car that left the scene of the accident.  In addition, UIM coverage will pay you additional damages if the wrongdoer had insurance, but not enough to pay for all of your damages.    

 The law firm of Chaikin, Sherman, Cammarata & Siegel, P.C. offers free insurance reviews to help ensure you have the right amount of coverage if you are hurt in an automobile accident.  Please do not hesitate to contact us to take advantage of this offer.