Even with mandatory insurance laws, many Rhode Island drivers carry too little coverage — or none at all. If one of them injures you, your own uninsured/underinsured motorist coverage can be the key to recovery.
What UM/UIM Coverage Does
Uninsured motorist (UM) coverage applies when the at-fault driver has no insurance. Underinsured motorist (UIM) coverage applies when their limits are too low to cover your damages. Both let you turn to your own policy to make up the difference.
Why It Matters in Rhode Island
Serious injuries routinely exceed minimum policy limits. Without UM/UIM coverage, you could be left paying for someone else's negligence out of pocket. With it, you have an additional source of compensation.
Disputes with Your Own Insurer
Filing a UM/UIM claim means dealing with your own insurance company — which may still resist paying. These claims can be surprisingly adversarial, and having an attorney levels the playing field.
Review Your Coverage and Options
If you were hit by an uninsured or underinsured driver, call 973-566-5599 to understand your options.
Injured in Rhode Island? Injury Claim Team connects you with experienced local attorneys at no cost. Call 973-566-5599 or request a free review — a specialist will reach out within the hour.