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11/17/2008
Mike Schafer
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Uninsured Motorist and Underinsured Motorist Protection

If you are injured in an automobile accident in Kentucky by someone who does not have insurance there is a coverage you can purchase that will pay you for your out of pocket expenses and your pain and suffering. This is called Uninsured Motorist Coverage (UM). This coverage can be waived but never should be. It provides financial protection to you and your family.

If you are injured in an automobile accident and the person does have insurance but it is not enough to cover all of your bills you can purchase another kind of insurance that will help you in that situation. This insurance is called Underinsured Motorist Coverage (UIM). Just like with UM this coverage should not be waived.

There are many, many people traveling the roads these days that do not have car insurance r their insurance is not enough to cover your pain and suffering if you are injured in a car accident. Their irresponsibility can financially devastate you and your family if you are involved in an accident with them.

When meeting with your insurance agent it is a good idea to ask him/her for the most UM and UIM coverage you can afford. By increasing your coverage your premium will increase as well but not by very much. If you decide to double your coverage that does not mean your premium will double. If you quadruple your coverage your premium will not quadruple. It will only increase a small amount when you purchase these added coverages. Again, ask your agent.

One thing to keep in mind is that your UM or UIM coverage cannot exceed your liability limits. It is always a good idea to have as much coverage as is economically feasible for you and your particular circumstances.

This is a small price to pay for the security in knowing you and your family will be taken care of. For more information on Louisville, Ky attorney Mike Schafer go to www.mikeschaferlaw.com.

Category: General


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Auto Accidents

Mike Schafer's nearly two decades of representing auto accident victims in Kentucky has given him the hands-on experience that is priceless, along with a winning track record. Mike fights hard for his clients and his opponents know it. With Mike as your lawyer, you’ll know you’re in good hands, and you’ll know that your chances at recovering compensation are as good as they can possibly be.

Truck Accidents

Mike Schafer's nearly two decades of representing truck and tractor trailer accident victims in Kentucky has given him the hands-on experience that is priceless, along with a winning track record. Mike fights hard for his clients and his opponents know it. With Mike as your lawyer, you’ll know you’re in good hands, and you’ll know that your chances at recovering compensation are as good as they can possibly be.

Wrongful Death and Fatal Accidents

Kentucky Fatal Accident Attorney, Louisville, KY, Wrongful Death Lawyer, Louisville Kentucky Fatality Attorney, Michael A Schafer, (502) 584-9511. Helping clients who have had loved ones killed in motor vehicle accidents for 18 years. Free consultation

Motorcycle Accidents

A motorcycle accident attorney? Do you really need a lawyer specifically for motorcycle accidents? If you have been in a motorcycle accident, the answer is yes. And if you’re in Kentucky, your first choice should be Michael Schafer in Louisville, KY.

Bicycle Accidents

A bicycle accident attorney? Do you really need a lawyer specifically for bicycle accidents? If you have been in a bicycle accident, the answer is yes. And if you’re in Kentucky, your first choice should be Michael Schafer in Louisville, KY.

Pedestrian Accidents

Many different rules and laws apply to pedestrian accident cases. If you are a pedestrian injured in an accident and you worry about who is going to pay your medical bills and lost wages while you are off from work your first choice should be Michael A. Schafer in Louisville, Kentucky. Put your mind at ease and his 20 years of experience to work for you.

Child Accidents

If your child has been injured or harmed in any situation, The Schafer Law Office can help. Contact us immediately to find out how we can help you, your child and your family.

Dog Bites/Animal Attacks

If you've been bitten by a dog anywhere in Kentucky, you need immediate help. Contact The Schafer Law Office immediately!

Slip and Fall/Premises Liability

If you live or suffered your injury in Kentucky, you’ll find that lawyer right here, in Louisville, KY: Michael A Schafer. Mike has more than 18 years of experience with helping his clients get compensated in slip and fall cases, premises liability cases, and a range of other personal injury cases.