MINNEAPOLIS CAR ACCIDENT LAWYERS – WHAT IS UNINSURED AND UNDERINSURED MOTORIST COVERAGE AND HOW DOES IT PROTECT YOU IN THE EVENT OF A CRASH?
For the protection of you and your loved ones, Uninsured Motorist Coverage and Underinsured Motorist insurance coverage are the single most important parts of your automobilie insurance package.
UNINSURED MOTORIST (UM) INSURANCE coverage provides insurance coverage for you and your family when the at-fault driver has no insurance. Bad drivers cause nore accidents and injury. More often than not, the bad drivers had little of no insurance. National statistics show that, even though the law requires all drivers to have automobile insurance coverage, 16% of all drivers are in violation of the law with no automobile insurance.
Simply stated, when the at-fault driver has no insurance, your own Uninsured Motorist Insurance coverage will pay the value of your personal injury claim the same as the liability insurance policy of the at-fault driver would pay.
Thus, by having UM coverage, you protect yourself, your loved ones, and your passengers. That is why it is so important.
UNDERINSURED MOTORIST (UIM) INSURANCE coverageprovides extra coverage when the at-fault driver does not have enough insurance to fully pay for your medical bills, your lost earnings, your injury claim and your property damage claim. It is every bit as important as UM coverage.
Auto Insurance Is equired on All Vehicles.
No-Fault Insurance Covers Medical Expenses, Wage Losses, and Replacement Services.
The No-Fault Insurance coverage requirement is a minimum of $20,000.00 for medical and healthcare-related expenses. Another $20,000.00 is required for wage losses and replacement services expenses. Most insurance companies offer additional coverage at higher amounts. Many offer “stacking coverage” where you can collect benefits on the policies that cover more than one of your family vehicles.
Minnesota No-Fault coverage also includes coverage for “Primary Homemaker Replacement Services”, including those which have been paid for “out of pocket” and those that have not been paid for.
Minneapolis No-Fault Injury Lawyers Aggressively Pursue No-Fault Benefits for Clients.
The Minneapolis No-Fault Injury Lawyers at the Schmidt Salita Law Team are highly respected for their skill and knowledge regarding the Minnesota No-Fault Insurance Act. For 20 years, Schmidt served, by the appointment of the Minnesota Supreme Court, as an Arbitrator of Minnesota No-Fault Insurance disputes.
Disputes over No-Fault benefits can be resolved either in arbitration or in a regular District Court lawsuit, depending on the size of the claim.
The Schmidt Salita Law Team Handles a Wide Variety of Personal Injury and Wrongful Death Claims.
The Schmidt Salita Law Team handles cases involving car accidents, trucking accidents, motorcycle accidents, pedestrian car accidents, and bicycle accidents. It has many years’ experience in workers compensation , products liability and medical malpractice cases.
The Schmidt Salita Law Team has extensive experience with concussion injuries, traumatic brain injuries, neck and back injuries, whiplash injuries, broken bones, injured joint injuries (knee, hip, shoulder, wrist, ankle, spinal), amputation injuries, and vision and eye injuries.
The Schmidt Salita Law Team has offices through out the State of Minnesota. Its primary location is at Ridgedale Office Center in Minnetonka, near the intersection of I394 and I494. The offices are handicap accessible with ample parking.
The Schmidt Salita Team Offers Contingent Fee Arrangements.
The firm offers contingent fee agreements (You don’t pay lawyers fees until you collect and then only as a percentage of the settlement). It also offers home and hospital visits to clients whose injuries present difficulty in coming to the office.
“PERSONAL INJURY ATTORNEYS WITH A PERSONAL TOUCH!”
The Schmidt Salita Law Team has locations throughout the Twin Cities metropolitan area of Minneapolis and St. Paul, as well as Minnetonka, Maple Grove, Plymouth, Osseo, Anoka, Coon Rapids, Brooklyn Center, Fridley, Blaine, Shoreview, Woodbury, Falcon Heights, Columbia Park, Stillwater, Hastings, Inver Grove, Cottage Grove, South St. Paul, Apple Valley, Eagan, Burnsville, Savage, Shakopee, Richfield, Bloomington, Chaska, Chanhassen, Edina, Eden Prairie, and Hopkins.