“What do you mean they don’t have insurance?!” is something every injury attorney hears at some stage.
Whether the issue is no coverage or limited coverage, with healthcare costs being what they are today, odds are that the person who injures you will not have sufficient insurance coverage. That is one reason why uninsured motorist and underinsured motorist coverage (called “UM” and “UIM,” respectively) is the most important coverage you can buy. Indeed, we advise our clients to purchase as much as they can afford, since you will almost always wish you had bought more if you ever need it.
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