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Karnas Law Firm

Why Should You Carry Underinsured Motorist Coverage (UIM)?

Underinsured Motorist Coverage

Here at Karnas Law Firm, we find underinsured motorist (UIM) coverage is extremely beneficial to all drivers. This prevents accident victims from digging out of their own pocket for expenses caused by another driver when they do not have enough insurance to cover their injuries.

What Is Underinsured Motorist Coverage?

UIM coverage includes bodily injury coverage. This will go to covering the additional expenses associated with injuries that are sustained but not covered by the at-fault driver’s insurance. It will cover the medical expenses, loss of wages while you were away from work, and pain and suffering. 

This may extend to any passengers in the vehicle involved in the accident. For example, a driver with a minimum insurance policy rear-ends you. Their policy cannot cover the entirety of your medical expenses. Your UIM bodily injury coverage will come in to pay the additional medical expenses rather than coming out of pocket.

How is Underinsured Coverage Different From Uninsured Coverage?

However, do not confuse Underinsured Motorist Coverage (UIM) with Uninsured Motorist Coverage (UM). UM covers you when the other driver does not have any insurance. This will be the topic of next week’s blog. 

Experienced Car Accident Attorneys in Yuma, Arizona

If you’ve suffered from a car accident, you’ve already suffered enough. Don’t go through the aftermath of the accident alone. Reach out to our proven and trusted car accident attorneys today. 

The car accident lawyers at Karnas Law Firm are here to help you recover the maximum amount available for all associated damages. With more than 25 years of experience representing injured accident victims in Arizona, we understand the stress of being injured as a result of a third party’s negligence. Our team can lift the burden of settling a personal injury claim from your shoulders and relentlessly fight for fair compensation. 

Our attorneys are known as some of the top lawyers in the business and have received accolades such as Top 100 Civil Plaintiff Lawyers and Top 100 Trial Lawyers. We are also Lead Counsel rated. 

We are available anytime at (520) 338-1641 or at our Yuma location at (928) 550-8020. You can also email Olivia Gaxiola at to set up an appointment.

To get started on your case, contact us today for a free case evaluation. We look forward to talking to you soon. 

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