Uninsured and Underinsured Drivers

If you are involved in an car, truck or motorcycle accident and there is an issue of whether there is enough insurance coverage, contact Mark E. Barbour at 216-771-8188 to help you sort out the legal issues.

Uninsured motorist coverage and underinsured motorist coverage are voluntary forms of automobile insurance offered by your own automobile insurance company. These are sometimes referred to as UM and UIM claims.

Uninsured motorist coverage is coverage you purchase from your own insurance company that pays for bodily injury losses to you and your passengers from an accident with a driver who is legally responsible for the injuries, but does not have insurance. Uninsured motorist coverage can also apply when you are injured in an accident with a hit-and-run vehicle and the driver or owner cannot be identified.

Underinsured motorist coverage is also coverage you purchase from your own insurance company that pays for bodily injury damages to you and your passengers as a result of an accident with an at-fault driver who has insurance, but who does not have enough insurance to pay for the injuries and damages.

There are very specific requirements for making these types of claims. Failure to act or taking the wrong actions can cause you to lose your rights. Call Mark E. Barbour today at 216-771-8188 to get the answers you need about your potential claim.