How effectively can you explain UM/UIM coverage to a client who doesn’t know much about insurance? In layman’s terms, UM/UIM coverage is insurance that pays for the client’s injuries from an accident caused by the owner or operator of an uninsured or underinsured vehicle. Excess UM/UIM from a personal umbrella policy pays after the auto policy’s UM/UIM limits have been exhausted.
It’s important for a client to understand that UM/UIM coverage comes into play when an insured is involved in an accident and the person who caused it either doesn’t have any insurance or
Q: CAN I RECOVER IF THE OTHER PARTY HAS NO INSURANCE?
A: Often times yes. This depends on your insurance policy. Uninsured motorist coverage allows you to recover for medical bills as well as pain and suffering, even if the other party was uninsured.
In certain states they must decide to elect “zero threshold/full tort” or “lawsuit threshold/limited tort coverage.” Although more expensive — our concern is with our clients’ welfare and we suggest wholeheartedly that our clients purchase “zero threshold/full tort coverage” in the event that they and their loved ones are seriously injured. Such an election can make all the d...
If you have been injured at work and are unable to immediately resume working because of that injury, we can help guide you through the workers' compensation program. You will likely have medical bills and other costs to cover while you are no longer able to earn wages, and you should receive the workers’ compensation benefits you are entitled to. Contact our greater Philadelphia workers’ compensation attorneys at Mammuth & Rosenberg today for a free consultation.
We can help negotiate a settlement if it is in your best interest, or we can go to trial if necessary. We will answer any questions you have about the workers’ compensation system and keep you...
Holiday travel continues to increase and is expected to reach its highest in years this Labor Day Weekend. Despite improvements in automobile safety and accident awareness, the Labor Day Holiday is one of the most dangerous times of the year to drive and accidents are expected to increase with the increase in travel. The NSC reports that in past years:
35,200 US traffic deaths occured throughout the year
3.8 million crash related injuries requiring medical attention occured throughout the year
394 deaths occured just over the Labor Day weekend
42,200 injuries needing medical attention were reported Labor Day Weekend
Medical attention is the most important matter in the event of an accident. Following that, contacting both your lawyer and your insurance company are vital. After an auto accident, the insurance company may contact you to provide information, discuss the accident, or sign documents regarding the accident. In their own best interest, the insurance company will gather any details possible to prepare for a lawsuit and estimate your medical bills and injuries.
Since the information an insurance company may obtain does not always reflect the extent of your injuries, it is advantageous not to sign any paperwork, provide, or discuss any information...