In personal injury law, an extra layer of protection is provided by Uninsured Motorist and Underinsured Motorist coverage. Commonly known as UM and UIM coverage, these are complex types of cases handled by a Personal Injury Lawyer in Burnaby. Generally, as per the no-fault insurance law, any person who owns a car needs to have an auto insurance coverage. These coverages can come in two different forms namely, PIP or Personal Injury Protection and PDL or Property Damage Liability. When you buy such a coverage you will need to consider a few facts like the minimum amount of the insurance policy, its inclusion of motor vehicle collision and more.
UM or UIM insurance
The best way to go ahead is to have UM or UIM coverage. If you have such coverages in your insurance policy it will provide you with an additional layer of protection. It will help the Injury Lawyer in Burnaby a great deal to deal with your case if you do not have adequate collision coverage or do not have any insurance at all. In such situations the party at fault will cover your expenses from his or her insurance policy, provided if there is a BIL or Bodily Insurance Liability coverage. If there is no BIL, you will have to bear the majority of the expenses.
The coverage provided
If you have UM or UIM on your insurance policy, the ICBC Lawyers in Burnaby will make it a point that you receive all the necessary coverage that are available to you. This coverage can go up to the amount provided by the insurance company when you face an accident that involves a driver who has no BIL coverage and you have a fixed UM or UIM coverage. In addition to the PIP, you will then have some extra amount according to your coverage to pay for your medical bills.
Protect yourself further
If you want further protection then you can even stack your UM and UIM coverage. This will increase your coverage depending on the number of cars insured. This means that your coverage is multiplied by the number of insured cars you have and you will have more money at your disposal. This also means that in addition to the stacked UM and UIM coverage you will also have PIP and BIL. However, for all you will need to prove the severity of your injuries, extension of medical treatment and more. The Car Accident Lawyer in Burnaby will help you to justify your claim amount according to your insurance policy.
Take help of the lawyer
The UM and UIM coverage are worth when you have to pay medical bills that may be higher than your usual insurance policy. Therefore, when you face an accident always hire an Accident Lawyer in Burnaby to deal with uninsured and underinsured motorist cases. They will help you to deal with the frustrating situation and create a better position to face the financial impact and claim financial compensation from the other party successfully. The lawyer will help you to hold the other party accountable even if he or she is uninsured or underinsured. For more information visit Our Website