UIM coverage as a passenger in someone else's vehicle?
I was riding in the passenger seat with the registered and insured owner behind the wheel. She carried the state minimum required amount of insurance. She was involved in an accident with the other driver having a similar state minimum requirement amount of insurance.
I am well insured, and carry UIM (Uninsured/Underinsured Motorist coverage). My insurance company has given me two different answers. One answer is that my UIM covers me in ANY automobile accident, regardless of whether I'm driving or a passenger in any vehicle, or even as a pedestrian struck by a motorist.
The second answer is that my UIM only covers people in my personal vehicle, regardless of whether I'm even in the vehicle.
I am disabled and do not drive, nor does anyone drive my car. My insurer convinced me to keep my high levels of coverage based on the premise that my UIM coverage would protect me in nearly all accidents in which a motor vehicle accident caused me to experience a loss.
Can you tell me which answer seems more likely? What can be done here? Thanks.
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ANSWER for "UIM coverage as a passenger in someone else's vehicle?":
Your uninsured/underinsured coverage is meant to cover the difference in the amount of insurance between the driver's maximum policy limit and the amount required to treat your injuries (in addition to associated out-of-pocket costs for such items as medications, cervical collars, chiropractic care, etc.).
Start by visiting with your doctor to determine the approximate amount of money you will need to cover your present and future medical, chiropractic, and therapeutic costs, as well as approximate out-of-pocket costs.
With that information in hand, contact your insurance company's representatives and give them the supporting documentation. Then, leave it up to your insurance company to investigate the matter. They will do so by contacting the driver of the car and the driver's insurance company.
You really have little to be concerned about. That's why you pay insurance premiums.
The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from an attorney licensed in your state. Find a local attorney to give you a free case review here, or call (888) 647-2490.
Best of luck,
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