What Is Uninsured Motorist Coverage?
Uninsured Motorist Coverage is insurance protection that may help pay for injuries or property damage caused by a driver who has no liability insurance. Coverage may also apply when the at-fault driver has insufficient insurance, depending on the policy terms. The injured person’s policy, not the other driver’s policy, provides this potential source of recovery.
Quick Facts About Uninsured Motorist Coverage
Category
Auto insurance coverage
Used for
Accident losses caused by uninsured drivers
Common confusion
Uninsured and underinsured coverage are related but distinct
Also called
UM coverage, Uninsured Motorist Insurance
Often discussed with
Car Accident Lawyer
Key Takeaways About Uninsured Motorist Coverage
- The injured person’s policy may provide the available coverage.
- Policy terms control whether and how coverage applies.
- Uninsured does not always mean the same as underinsured.
How Uninsured Motorist Coverage Works
Uninsured Motorist Coverage may respond after a crash when the responsible driver has no liability insurance. The injured person makes a claim under an applicable auto policy, and the insurer reviews the policy language, accident facts, and claimed losses. Coverage may also apply when the other driver carries insurance that cannot fully address the losses, depending on the policy terms.
Related glossary terms: Bodily Injury, Damages, Medical Records.
The available protection depends on the policy’s coverage provisions and the facts of the collision. A claim may involve medical expenses, lost income, or other legally recognized losses. Liability insurance covers the driver who caused the crash, while uninsured motorist coverage may provide a separate path under the injured person’s policy. Underinsured Motorist Coverage addresses a related situation involving insufficient insurance.
From the Atlanta Auto Law team
When we handle a car accident claim, we review the available auto policies and compare their terms with the collision facts. We also check whether the other driver’s insurance can address the claimed losses and whether an uninsured motorist claim may apply. Our team keeps the coverage analysis tied to the client’s documented injuries and damages.
Uninsured Motorist Coverage in Practice: A Real-World Example
A driver without liability insurance causes a collision that injures someone in East Point. The injured person’s auto policy may provide Uninsured Motorist Coverage, subject to the policy language and the facts supporting the claim.
Related Services
Related Terms
Bodily Injury
Bodily Injury is physical harm to a person caused by an accident, another person’s conduct, or…
Damages
Damages are monetary compensation awarded or negotiated for harm caused by another party’s wrongful conduct. In…
Medical Records
Medical Records are written or electronic documents that describe a patient’s health history, examinations, diagnoses, treatment…
Subrogation
Subrogation is the process that allows an insurer or another payer to seek repayment from the…
Atlanta Auto Law
Have Questions About Uninsured Motorist Coverage?
Contact Atlanta Auto Law for practical guidance on Uninsured Motorist Coverage and related personal injury attorney work in East Point.