Your UM/UIM Insurance Policy Covers Passengers

Few drivers know that their Uninsured / Underinsured Motorist Coverage in their car insurance policy also covers them for injuries suffered in other vehicles. In one of the cases we recently handled, our client was a passenger in a vehicle that was hit by a van. That van had a small policy of $15,000 per person or $30,000 per accident that had to be divided between our client and the driver of the vehicle where our client was a passenger. However, our the coverage of client’s own uninsured motorist policy on his personal vehicle was triggered and he was able to receive more compensation in that claim, to supplement the compensation that he had already received from the insurance carrier of the party at fault.

Most UM/UIM insurance policies cover losses suffered by the insured in a vehicle other than the one who is specifically covered by his policy. This is the kind if information the insurance carrier won’t likely volunteer, so being aware of this can be quite important in recovering compensation in cases where the party at fault is either uninsured, or underinsured or in hit-and-run accidents.

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