Apart from the legal requirement to have automobile liability coverage, uninsured or underinsured motorist coverage (UM or UIM) is the most important coverage you can purchase. This insurance provides protection to you if you are injured in an automobile accident by another at-fault driver that either does not have automobile insurance or does not enough insurance to cover your damages. This coverage is especially important to have given the fact that studies have shown that close to 26% of all Mississippi residents are uninsured. Everyone that has been told by their insurance representative that they have “full coverage” should take a hard look at their policy to make sure that they have UM/UIM coverage, and that they have enough coverage to adequately protect them for potential losses should they be severely injured in an automobile accident.

When considering making a UM/UIM claim, you must consider the applicable state law. Each state has different laws that govern the application of insurance coverage to a loss. For instance, in Mississippi, if you have more than one vehicle in your household with UM/UIM coverage in force, you can “stack the coverages”. For example: If a couple and their 17 year old son have three cars in their family and each vehicle carries UM/UIM coverage in the amount of $25,000 per person/ $50,000 per accident, the law in Mississippi will allow any of the family member that are injured in an accident by an uninsured/underinsured at-fault driver to “stack” these policies—thereby allowing for available coverage in the amount of $75,000 per person/ $150,000 per accident. Unlike Mississippi, Tennessee does not allow for stacking. Tennessee is known as an “anti stacking” state.

UM/UIM coverage can be used to cover the same damages that would be covered by the liability coverage owned by the at-fault driver. These damages include medical expenses (past and future), lost income, pain and suffering, among other things.

The injury lawyers at The Stroud Law Firm have extensive experience handling UM/UIM claims and will work hard to procure all of the insurance coverage available to you for your injuries. Dealing with insurance adjusters can be difficult. This is especially the case when you have been seriously hurt. We handle these cases all of the time and we handle them on a contingency fee basis. This simply means we do not charge you any attorneys’ fee until and unless we make a recovery for you.

If you or a loved one has suffered a personal injury and are having a difficult time dealing with your own insurance company, call us. Our evaluation of your case is absolutely free.

Email us or call us toll free at 855-536-5656.