UM & UIM Claims Outside the Vehicle – Auto Accident Law

Jun 16, 2020 Blog

UM & UIM Claims Outside the Vehicle

Personal Injury Lawyers » UM & UIM Claims Outside the Vehicle

Do I Have to be in my Vehicle in Order to File an Uninsured or Underinsured Motorist Claim?

First, what is the difference between an uninsured motorist and an underinsured motorist? An uninsured motorist does not possess auto insurance of any kind. You may be thinking, “Aren’t you required to have insurance by law?” The answer is yes, however one of every seven drivers on the road possesses no insurance making accidents with uninsured drivers very common. While someone who is underinsured is a person that does not possess enough insurance to cover all the damage that is caused by the accident which includes; property damage, lost wages, medical expenses, and other like damages. The underinsured motorist claim/uninsured motorist coverage in your insurance policy covers events when you or your vehicle are in an accident with a motorist who is uninsured, underinsured, or flees the scene of the accident.accident attorneys Texas

Are the Passengers in my Car Covered by the Underinsured Motorist/ Uninsured Motorist Claim Policies in my Insurance Coverage?

Much like when you lend your car out to someone, under-insured insurance policies in your insurance will follow your car and protect the driver and all the passengers in it when a car accident with an underinsured driver takes occurs.

What if I’m Not in a Car When I Get Hit by an Underinsured/ Uninsured Motorist?

We hate to think of tragic events happening when doing something as harmless as going for a walk, unfortunately, this happens. So what if you or a loved one is injured or killed in a pedestrian accident and the motorist is uninsured? Before you worry whether you’re own medical insurance will cover you, having uninsured motorist/underinsured motorist coverage in your auto insurance plan may be able to contribute to the number of medical costs and other costs that you may experience as a result of the accident.

What if my Car is Parked and Someone Crashes Into it and Does Not Have Insurance?

Your amount of coverage from an accident involving your parked vehicle does not change because you were parked or moving at the time of the accident. Your uninsured/underinsured motorist coverage will cover the cost set out in your insurance policy.


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What Happens if I am Riding my Bicycle and Someone Hits me and Flees the Accident Scene?

If you are hit by a car while riding your bicycle you will be covered by their auto insurance, however, if they do not have insurance or flee the scene what will happen? You will likely be able to use the under insurance/uninsured motorist coverage to pay for your injuries. To ensure that you are afforded all the protection that you are entitled to, you need to make sure that you are represented by skilled and knowledgeable attorneys that have experience getting clients the maximum amount of coverage that they deserve.

Getting in a car accident or being injured by a motorist while walking, cycling, or other activities can be a scary and confusing time. Often people are pushed into signing releases before they are ready and are made fully aware of the extent of their injuries. Don’t be one of these people, know your rights! Call to get in contact with our law office. We have more than 20 years of experience practicing personal injury law and are eager to help you fight for the damages that you deserve.

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