After a car accident, insurance coverage can be confusing — especially when the at-fault driver doesn’t have enough insurance or no insurance at all. In this video, the experienced personal injury attorneys at The Levin Firm explain the difference between underinsured motorist (UIM) and uninsured motorist (UM) coverage, and why understanding both can significantly impact your financial recovery.
👉 What You’ll Learn:
What uninsured motorist (UM) coverage is and when it applies
What underinsured motorist (UIM) coverage covers
Key differences between UM and UIM insurance
How these coverages protect you after a serious accident
Common mistakes drivers make when choosing coverage
How The Levin Firm helps accident victims navigate insurance claims
🚗 When UM & UIM Coverage Matters:
Hit-and-run accidents
Accidents caused by drivers with no insurance
Crashes where the at-fault driver’s policy limits are too low
Serious injury accidents with high medical expenses
📍 Our Office Address:
1500 John F. Kennedy Blvd #620, Philadelphia, PA 19102
📞 Local Phone:
215-825-5183
🌐 Stay Connected:
Website: https://www.levininjuryfirm.com/
Facebook: https://www.facebook.com/winwithlevin/
X (Twitter): https://x.com/LevinInjuryFirm
💼 About The Levin Firm:
The Levin Firm is a Philadelphia-based personal injury law firm helping car accident victims throughout Pennsylvania and New Jersey. We understand insurance policies, coverage disputes, and how to maximize compensation when insurers try to limit payouts.
We work on a contingency-fee basis — you don’t pay unless we win.
Learn more: https://www.levininjuryfirm.com/
✅ Next Steps:
Injured in a car accident involving an uninsured or underinsured driver? Call 215-825-5183 for a free consultation.
Subscribe and click the bell 🔔 for more accident law and insurance coverage insights.
Like and share this video to help others understand their insurance rights.
Leave your questions in the comments — our legal team is happy to help.
⚠️ Disclaimer:
This video is for informational purposes only and does not constitute legal advice. Every insurance policy and accident is different — consult an attorney for personalized guidance.
Transcript
I have been asked today to discuss the difference between underinsured and uninsured motorist coverage. What is it? How does it work? And why is it critically important that you have as much as you can afford?
When you're in a motor vehicle accident, oftentimes your ability to recover is limited to the amount of insurance that the person who caused the accident has. In Pennsylvania, for instance, the minimum amount of liability coverage that's required by law is $15,000. If you don't have some other source of insurance, your recovery in that motor vehicle accident is gonna be limited to that $15,000. Uninsured motorist coverage covers situations where the person who hit you has no insurance at all. They're uninsured.
If you have $100,000 of uninsured motorist coverage and you're hit by someone who has no insurance, what that means is your own insurance company will pay you up to $100,000 for your injuries. Underinsured motorist coverage is similar, but it involves situations where the person who hits you, in fact, has insurance, they just don't have enough to cover the damage that they've done. Let's go back to that situation where we have a defendant who has a minimum policy, say $15,000. Let's say you have $1 million of underinsured motorist coverage and you're traumatically injured in this accident. What happens is that the defendant's policy will be tendered to us.
We'll get you that $15,000, but your injury might be worth a half a million. So they are underinsured by $485,000. Well, fortunately, in this scenario, you have $1 million of underinsured motorist coverage. And what your own insurance company does is then steps in and would pay you that $485,000.
$85,000. So you can see that in that scenario, being properly insured resulted in almost 99% of your recovery. Purchase as much underinsured and uninsured motorist coverage as you can afford because you never want to rely on the person that hits you to be properly insured or even have insurance at all. If you'd like to learn more about this, feel free to call me at 215-825-5183, or you can reach me at my website LevinInjuryFirm.com.
