Mansell, Engel & Cole

Yes, you should feel extra protected with UM/UIM coverage

Although few people likely think of adequate insurance coverage as being akin to a warm and comforting blanket, we submit at Mansell, Engel & Cole that such imagery is not misplaced. Truly, real protection against life’s material risks should feel something like a blanket.

You pay – and not a trivial amount – to safeguard yourself and loved ones against loss and damage that can be forthcoming from any number of sources.

Motor vehicle accidents are an everyday potential for legions of Americans, which makes auto insurance a mainstay coverage option for most people. Your insurance is tasked with protecting and indemnifying you when you are at fault in a vehicle-linked incident, with that being reciprocally true of other drivers.

What happens, though, when an at-fault motorist injures you and lacks sufficient coverage to fully compensate for your suffering and related outlays?

That is the moment at which your uninsured/underinsured motorists (UM/UIM) coverage should be ready to prove its worth. You duly pay for that protection with your premiums, and you have a contractual right to expect that it will be there to safeguard you if you ever need to invoke its protection.

We note on our Oklahoma insurance law website that, while policyholders often – and rightly – assume delay/denial tactics from a third-party’s insurance carrier, that should never be the case with their own insurer, and especially concerning UM/UIM coverage. After all, the very purpose for such coverage is its timely application in the event that another uninsured or underinsured driver is a direct catalyst causing injury and other crash-linked damages.

Post-crash injury costs are wide ranging for victims, encompassing hospital care, rehabilitation, lost wages and more. UM/UIM coverage exists solely to respond to such exactions, and it can flatly be an act of bad faith for an insurer to deny or delay payments.

Any individual dealing with an insurer’s unreasonableness in the wake of an auto accident or any other policy-triggering event can contact a proven and aggressive insurance law firm that solely represents aggrieved policyholders.

We stress a common and fundamental truth on our pro-victims’ website, and that is this: “Your insurance company has the duty to treat you fairly.”

Our advocacy strives resolutely for that outcome in every case we handle.

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