Uninsured or underinsured motorist coverage (UM/UIM coverage) pays for your injuries if you are struck by a hit-and-run driver or by someone who does not have adequate insurance — either because they have no coverage or because they do not have enough coverage — to pay for your injuries.
Most UM coverage will pay up to your policy’s UM limits for injuries caused to:
1. You or a relative who lives with you, while a driver or passenger in the vehicle named in your UM insurance policy or any other vehicle, or while a pedestrian
2. Anyone else driving your insured vehicle with your permission, and
3. Anyone else riding in the vehicle named in your insurance policy, or in any other vehicle you are driving but which you do not own.
NOTICE: The information provided in this web site is provided as a service to you, but in no way does it constitute legal advice. Visiting this site nor contacting our office to discuss your case does not constitute the hiring of this office. Hiring this office is effective only upon completing and executing an Attorney-Client Fee Agreement with Randall J. Wolfe, PC. Randall l J. Wolfe, PC tries to provide reliable information, but we make no claims or promises about the completeness or adequacy of the information. Nothing herein should be used as a substitute for the advice of a competent attorney for your particular situation. Further, in all injury claims, it is essential that measures be taken promptly to preserve evidence, investigate the incident question, protect applicable statutes of limitation and have physicians or other expert witnesses thoroughly evaluate any injuries. Because an attorney can best help you accomplish all of these things, if you have been injured, it is strongly recommended that you contact The Law Office of Randall J. Wolfe or another qualified attorney to evaluate your case as soon as possible.