The odds are increasing that the person who causes an accident has little or no insurance. If this is the case, you still have an important option. Many states have laws requiring vehicle owners to purchase Uninsured Motorist (UM) or Under-insured Motorist (UIM) coverage. Check your policy and see if you have UM coverage. If so, your insurance company is obligated by law to pay your medical costs, lost income and pain and suffering when injured by an uninsured motorist. If the driver at-fault does not have enough insurance to cover the costs of the accident, your UIM coverage should pick up the remaining amount. Gregory & Swapp routinely works with UM and UIM claims and can help by getting you fair compensation from your insurance company. Call us today to find our how we can help you – there’s no obligation.