The Importance of Under-Insured Motorist(UIM) Insurance

Posted By: Tony Baratta | August 11th, 2020

Driving to and from work every day may seem like a normal occurrence. Because we do it all the time, we start getting too confident in our safety. But no matter how religiously you follow traffic rules, there is no assurance that other motorists are doing the same.

Car accidents happen every day, many times per day. And the results are devastating not only for the drivers but for their families. Lawyers encounter cases all the time when clients suffer serious injuries due to auto accidents, yet are faced with the frustration of not being able to recover enough compensation even to cover the medical bills.

Therein lies the importance of having an auto insurance policy, particularly an Under-Insured Motorist Insurance or UIM.

What is UIM?


UIM, or Under-Insured Motorist Insurance, protects you, your family, or other members of your household in case any of you suffer from serious car injuries caused by the negligence of another.

Why is UIM important?


Before you can be legally allowed to drive, you need to have liability insurance in place in case of accidents or injuries caused to another.

However, in most States such as Pennsylvania, the required liability insurance is only $15,000. That’s not enough to cover all the medical expenses required in case of a serious injury. So the victim and his family are put in a very tough position — the need to shell out enough money to pay for recovery, not to mention the devastating effects of the accident on the person and his loved ones.

If you have a UIM and you, your family, or members of your household, get into an accident, your insurance coverage allows you to make a claim against your own insurance company in case the motorist who caused the injury does not have enough insurance to compensate you.

This frees you from the trouble of paying costly medical bills for your recovery.

How much does UIM cover?


You can only have under-insured motorist insurance coverage up to the level of your liability coverage. So you need to have as much liability coverage as possible so you can get a good amount of compensation in case of accidents and serious injuries.

You should also consider getting the stacking option. This allows you to double, triple, or quadruple the coverage of your UIM, depending on the number of vehicles you own.

What you should do now


As soon as possible, take a good look at your insurance declaration pages for your automobile coverage. Make sure that you have under-insured motorist coverage under stacking. If not, apply for it immediately.

You never know when an accident can happen. But this simple act will make sure you and your family are protected.

About the Author

Anthony J. Baratta (Tony) is a trial attorney. He has tried more than 50 cases to Juries in State and Federal Courts and has litigated thousands of personal injury and medical malpractice cases in his 30-year career. Tony is the founding partner of Baratta, Russell, & Baratta and an active board member of the Pennsylvania Brain Injury Association (BPIA). Tony is also on the board for the Philadelphia VIP and performs pro bono work for the Laurel House, a non-profit for victims of domestic abuse. In addition, Tony is a member of the Million Dollar Advocates Forum for trial attorneys, voted one of Philadelphia’s Super Lawyers for the past 14 years, and a 2018 recipient of the First Judicial District Pro Bono Award for the Civil Trial Division.

Tell us About Your Problem Our Attorneys are Ready to Help

  • Please be advised that submitting this information does not create an attorney client relationship and the information you share may not be confidential due to its transmission in this manner.
  • This field is for validation purposes and should be left unchanged.

We are Your Center City Law Firm Right Outside the City

We are “Center City” lawyers without the hassle of Center City. Located right outside the city of Philadelphia in Huntingdon Valley, PA, our office is accessible from all directions. We are wheel chair accessible with free parking and an elevator.

Baratta, Russell & Baratta

Huntingdon Valley
3500 Reading Way
Huntingdon Valley, PA 19006

1000 N. Providence Rd.
Media, PA 19063


Get Directions

Phone: 215-914-2222
Fax: 215-914-2118