Should I have Uninsured/Underinsured Motorist Insurance (UM/UIM) in Rhode Island?

car accident damage

Involved in a hit and run accident? Driver doesn’t have insurance? Medical bills more than the policy limit? In today’s blog, I’m going to tell you why uninsured/underinsured motorist insurance is so important.

What is Uninsured and Underinsured Motorist Insurance?

Car accidents involving personal injuries can be a nightmare. Worse is when the driver speeds away, doesn’t have any insurance or does not have enough insurance to cover your money damages.  Did you know that state law in RI requires a tiny amount of BI coverage – just $25,000.00?  Along with the pain of personal injury comes the confusion of who’s going to cover the bills.

Uninsured motorist coverage (“UM”) on your auto insurance policy provides you with financial protection when another driver does not have coverage and/or has left the scene, such as a hit and run car accident.

Underinsured motorist insurance (“UIM”) provides coverage to you when your monetary damages exceed the policy limits of the at-fault driver’s bodily injury (“BI”) coverage. In Rhode Island, for example, your UIM coverage “stacks” on top of the BI limits to provide you with extra compensation. Note that the law is different in Massachusetts where we also practice personal injury law.

Why You Need The Bottaro Law Firm, LLC – Get The Best In Your Corner! We Know The UM/UIM Secrets!

So you can see why having uninsured motorist coverage (which includes underinsured coverage) is so important in Rhode Island and Massachusetts where we practice personal injury law.

Whenever an at-fault driver doesn’t have insurance or not enough, we know the secrets and how to (with decades of combined experience) in getting you top dollar for UM and UIM personal injury car accident settlements in RI and Mass.

If you have suffered personal injury in a RI or Mass. car accident, we provide 24/7 free consultation to help manage this system, bills, lost wages, etc., and help you get back on track.

It’s Good to Know Mike Bottaro – 24/7 Top Rated Car Accident Legal Help

At the Bottaro Law Firm, LLC, we handle all types of personal injury cases such as car crashes every day. Honesty. Integrity. Results. Our experienced attorneys are here to fight for your rights. Contact us in any method you prefer 24/7 for a fast, free, and confidential consultation about your case. Text or call: 401-777-7777 or fill out our free and confidential online form.