CAR INSURANCE COMPANY SECRETS
What Your Auto Insurance Company Doesn’t Want You to Know
What is the difference between UIM AND UM coverage?
In Arizona, the coverage that the insurance company is least likely to tell you the truth about is for Under-insurance Motorist coverage (UIM) and Uninsured Motorist coverage (UM). As a refresher, UIM pays you if the at-fault driver does not have enough insurance to cover your injuries/damages. UM pays you if the at-fault driver does not have insurance at all.
What the insurance agent won’t tell you is that if you purchase UIM/UM on each one of your vehicles, the insurance company will not allow you to stack the policies. Know that in Arizona, UIM/UM follows the person NOT the vehicle. UIM/UM is like health insurance, it covers you no matter what vehicle you are driving if you are a passenger in a vehicle or even sitting on a park bench. The key to remember is that UIM/UM triggers anytime an automobile causes injuries to you – it’s that simple.
What does this mean to you?
It means that you do not have to purchase UIM/UM for every vehicle in your household. Save money by purchasing UIM/UM on ONE vehicle and rejecting coverage on the others.
Many law firms rely on lawyers or paralegals to review, interpret and understand medical records. Lawyers and paralegals are not medically trained professionals. Although these legal professionals need to have a working understanding of general medical issues to effectively represent clients in personal injury or medical malpractice cases, their conclusions about those medical records cannot always be relied upon.
At The Attorneys For Freedom Law Firm, we often utilize licensed medical consultants who are an important part of our legal process. Our licensed medical consultants stand ready to review complex medical records in our cases. They can also offer additional medical-related recommendations to further develop all aspects of our clients’ cases.
As such, our personal injury and medical malpractice clients can have confidence that our legal professionals properly and thoroughly understand all aspects of their medical records and current physical condition so as to not miss potential viable legal theories or undervalue damages due to a lack of understanding of their medical records or physical condition. Having licensed medical consultants as part of our legal process is just one more way the team at The Attorneys For Freedom Law Firm goes the extra mile for our clients.