You’ve been in a car accident and have sustained a personal injury as a result. The last thing you want to hear? That the person who hit you doesn’t have insurance.

You can go through all of the complaints in your head — this person shouldn’t be driving if they aren’t responsible enough to have insurance! — but the fact of the matter is, you have an injury and you shouldn’t have to pay for it out of your own pocket because it wasn’t your fault and you’re a responsible driver.

This is where “uninsured” or “underinsured motorist coverage” can come into the picture. Read on to learn what UM coverage is and what it entails, and reach out to The Fairell Firm for help with your personal injury claim. Our personal injury firm in Atlanta is proud to employ some of the best personal injury lawyers out there. We’ll treat you with compassion and understanding, while also leveraging our experience and qualifications for the best possible outcome. Contact our personal injury firm today.

UM coverage can stand for either uninsured or underinsured motorist coverage. In an accident, UM coverage can apply to both you and your vehicle. In other words, when the person who hits your vehicle either doesn’t have coverage or doesn’t have enough coverage to handle the situation, UM coverage can make up the remaining to take care of your health and your vehicle.

You don’t want to get stuck in an uncomfortable financial situation after an accident. By having UM coverage, you can ensure that this never happens to you.

For example, let’s say that you and your vehicle sustained $50,000 worth of damages. The person who injured you had coverage, but it only covered up to $25,000. Your UM coverage would then make up the difference so you would have enough to comfortably take care of your medical bills, pain and suffering, property damage, and more.

Here’s the best part — for having such a payoff in case of an emergency, UM coverage is not difficult to acquire. You can simply call your insurance company and add UM insurance to your policy for only a few extra dollars per month.

Our personal injury firm knows how to handle accident claims, medical negligence, slip and fall injuries, and many other personal injury cases. Through our blog posts, you can learn why and when to hire a personal injury lawyer , get answers to FAQs about personal injury cases , and know what to do after a car accident . If you have other questions about personal injuries, accident claims, or more, simply contact us.

We offer consultations and can help you arrive at the best possible outcome for your accident claim. When you work with The Fairell Firm, you’ll always be in contact with your personal injury attorney and understand what’s happening with your case. Contact us today.