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Does Uninsured or Underinsured Insurance Cover Accidents?


Using Your Car Insurance Coverage After a Serious Accident

Uninsured or underinsured motorist coverage (UM/UIM) is something every driver in DC, Virginia, or Maryland should have – here’s why: it is the insurance coverage you can use after a serious accident when the other driver doesn’t have any liability or car insurance or doesn’t have enough to pay for all of the harms he caused as a result of the accident – your medical bills, hospitalization, physical therapy, rehab, medications – everything you now need to recover from the accident (for as long as you need it) plus the lost income if you can’t work, and all of the other damages for personal injury cases allowed under the law, like pain, suffering, permanent injury, future medical care, future lost income and others.

Your UM/UIM Coverage Will Step In and Pay Up to the Limits of Your Policy. Here’s How it Works:

Let’s say a driver is on his phone and crashes into you on 495 because he wasn’t paying attention and crossed the line into your lane of traffic. Your car was totaled and you suffered serious injuries – a torn rotator cuff, a broken leg, and a concussion. You spent three days in the hospital after surgery on the fractured femur and you need another surgery on the rotator cuff. You’re facing a long recovery of medical specialists, physical therapy, and rehab.

And you’re paid by the hour in a physical job your doctors have said you can’t do for at least 6 months – and if you don’t work, you don’t get paid.

The driver’s insurance company calls and says they are responsible for the accident he caused (great). But they only have $25,000 in coverage, so that is the most the insurance company will ever pay. Your hospital and surgery bills are already more than $25,000!

Is It Fair? No. Is It Legal? Yes.

If you have UM/UIM, that coverage will make up the difference, up to your policy limit. Let’s say you had a $300,000 UM/UIM policy – then after the other driver’s insurance offered their policy limit of $25,000, your insurance would pay up to another $275,000 for a total of $300,000. If you didn’t have UM/UIM coverage on your policy, you’d be stuck with the $25,000 or trying to collect from the driver personally (and people with minimum insurance policies usually don’t have much money).

Will your insurance company just pay you the UM/UIM coverage? No – they are not in the business of just giving away money. Can you settle a UM/UIM case? Absolutely – and here’s one we worked on recently.

Our Experienced Car Accident Lawyers Will Review Your Insurance Policy for Free

Check your Declarations Page on your own insurance policy (and if you can’t find it, you can get this online from most insurance companies. We’re happy to review it with you, just fax it to (202) 393 – 3324 or email it to info@dkllp.com with the subject UM/UIM and we’ll set up a time to talk about it at no charge.

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  • Story Of Success

    After A Successful Settlement, a Severely Injured Young Man Now Has the Resources to Live Independently

    Rated 5 out of 5
    July 26, 2022

    Mr. Kearney and Mr. Donahoe were excellent attorneys. They were very caring toward my son and myself. They always explained everything in detail and kept in touch with us, updating us about the case. Whenever we would call or needed a question answered, Mr. Kearney or his assistant was always there to help. My son and I are very happy and satisfied with the outcome of the case. Mr. Kearney and Mr. Donahoe were the best and I would highly recommend them to other people.

    M.S., Manassas, Va
  • Story Of Success

    After A Successful Settlement, a Severely Injured Young Man Now Has the Resources to Live Independently

    Rated 5 out of 5
    July 26, 2022

    Mr. Kearney and Mr. Donahoe were excellent attorneys. They were very caring toward my son and myself. They always explained everything in detail and kept in touch with us, updating us about the case. Whenever we would call or needed a question answered, Mr. Kearney or his assistant was always there to help. My son and I are very happy and satisfied with the outcome of the case. Mr. Kearney and Mr. Donahoe were the best and I would highly recommend them to other people.

    M.S., Manassas, Va
  • Story Of Success

    After A Successful Settlement, a Severely Injured Young Man Now Has the Resources to Live Independently

    Rated 5 out of 5
    July 26, 2022

    Mr. Kearney and Mr. Donahoe were excellent attorneys. They were very caring toward my son and myself. They always explained everything in detail and kept in touch with us, updating us about the case. Whenever we would call or needed a question answered, Mr. Kearney or his assistant was always there to help. My son and I are very happy and satisfied with the outcome of the case. Mr. Kearney and Mr. Donahoe were the best and I would highly recommend them to other people.

    M.S., Manassas, Va
Washington, DC

1701 Pennsylvania Ave NW
Washington, DC 20006
Phone: (202)-932-9800
Fax: (202) 393-3324

Alexandria, VA

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Alexandria, VA 22314
Phone: (202) 393-3320
Fax: (202) 393-3324

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