Uninsured Motorist (UM) Insurance coverage is a very important part of any automobile insurance policy.  It is the part of the insurance coverage that protects you, your family members and the passengers in your car against the risk of the at-fault driver not having insurance coverage to pay the value of your personal injury or wrongful death claim.

Simply stated, the liability insurance of the at-fault driver pays the claim against the at fault driver whose negligence causes injury or death in a motor vehicle collision.  National statistics show that approximately 16% of all drivers have no automobile insurance-even though that is against the law.  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

The Schmidt-Salita Law Team has successfully handled over a thousand UM claims.