Car Accident Chiropractor
Can I Use My Own Uninsured Motorist Insurance After a Car Accident?
Learn how uninsured motorist and underinsured motorist coverage may help pay for injuries after a car accident. What Happens If the Other Driver Has No Insurance? Many people assume every driver on th
Quick Insights
- UM stands for Uninsured Motorist coverage. UIM stands for Underinsured Motorist coverage. These coverages are purchased through your own policy. Coverage may apply when the at-fault driver lacks adequate insurance. UM/UIM may help cover injury-related losses. Coverage can provide significant protection after serious accidents.
What You Should Know
Key Takeaways
UM/UIM coverage protects you when the other driver lacks sufficient insurance.
Benefits may be available through your own policy.
Coverage can apply even though the accident was not your fault.
UM/UIM can be valuable after serious injury collisions.
Common Questions
Frequently Asked Questions
Is UM coverage the same as PIP?
No , t hese are different coverages with different purposes.
Can I use UM coverage if the other driver has no insurance?
Yes, if your policy includes
UM protection. What if the other driver's policy limits are too low?
Underinsured Motorist coverage may help.
Does UM/UIM cover chiropractic care?
Coverage depends on policy language and claim circumstances , but many times it covers chiropractic care.
Do I need an attorney to use UM/UIM?
Not always, although many accident victims seek legal guidance when serious injuries are involved.
Get the Help You Need
Serving Kingwood, Humble & NE Houston
Dr. Hamel has over 25 years of experience diagnosing and treating conditions like this. Schedule a comprehensive evaluation today — same-week appointments available.