heading

About half of the states in the United States require Uninsured Motorist (UM) coverage. Minnesota is one of those states. UM protects you and covers your losses if you are involved in an accident with a driver that does not have insurance. You make a claim against your insurance.

You have the right to file an uninsured motorist claim because you have been paying the premium. It should not affect your premium rate. Most states prohibit rate increases for filing a claim if you were not the “at fault” party.

Uninsured motorist coverage covers most of the losses sustained in an accident, but not all of them. You will need to check your policy. The covered losses usually include:

• Medical bills
• Wage loss
• Pain and suffering
• Disfigurement
• Loss of future earning capacity

The types of losses that are not usually covered by UM are:

• Property damage (collision coverage is necessary to cover the damage to your car)
• Punitive damages (to punish the offender for reckless behavior)

It is important to contact a lawyer after an accident to discuss your options, protect your rights, and to be sure that procedural requirements are followed so that your claim can be settled in a timely fashion with the best possible recovery.

Have you been in a car accident? Contact a Minnesota Car Accident Lawyer at 612-362-0000. Our attorneys are skilled litigators with years of experience. We will handle all of the insurance issues — you can concentrate on healing.

Tags: Minnesota Car Accident, Minnesota Car Accident Attorney, Minnesota Car Accident Lawyer, Minnesota Insurance Issues, Minnesota UM