Frequently Asked Questions

What is Uninsured Motorist Coverage?

Uninsured motorist coverage, or UM, provides coverage to you and others insured under your policy in the event someone else causes an accident that injures you or causes damage to your vehicle but the at-fault party has no insurance OR not enough insurance. These claims include hit-and-run incidents in which the at-fault party leaves the scene and cannot be located. Please note there are two types of UM coverage – reduced (sometimes call traditional) and add-on (sometimes called excess).

Reduced coverage, like it sounds, is reduced by the coverage carried by the at-fault party. For example, if you carry $100,000 in reduced UM coverage and are injured in an accident by someone who carries only $25,000 in liability coverage, your UM coverage is reduced to $75,000 for a net total of $100,000 in potentially recoverable coverage. Add-on coverage, on the other hand, provides coverage above and beyond the at-fault driver’s coverage. In the same scenario as above, your UM coverage would therefore not be reduced and you would instead be able to potentially recover up to $125,000 if your claim so warranted.

Awards

  • Top 25 Motor Vehicle Trial Lawyers
  • Million Dollar Advocates Forum
  • National Trial Lawyers
  • AV Preeminent
  • Avvo 10.0 Superb
  • Super Lawyers

Past Client Testimonials

See How We've Helped Clients Just Like You Recover
  • “I highly recommend Jones & Swanson to anyone needing an injury attorney.”

    Cathi J.

  • “I would highly recommend anyone needing any type of legal advice/assistance to contact Jones & Swanson and get the job done!”

    Gary P.

  • “My experience with being represented by Mr. Swanson was a pleasant one”

    Michelle B.

  • “Chase (and Ashley H for that matter) were very good to work with!”

    Russ J.

  • “Chase did a wonderful job of explaining the details of my case and providing honest feedback.”

    Wesley L.

  • “I would recommend them to anyone who needs help.”

    Darrell W.

  • “Jones & Swanson was there every step of the way.”

    Krystle W.

  • “Jones & Sawnson was a dream come true when it came to getting me what I deserved for my case.”

    Tamika S.

  • “I give my highest praise to this firm.”

    Gary

  • “They are an extremely personable and professional team.”

    Natalys G.

  • “I am thankful to Andrew Jones and his team for assisting me in gaining a result for my case.”

    Rolland M.

  • “Jones & Swanson was there every step of the way to make the burden easier to deal with.”

    Krystle W.

  • “I doubt any law firm could have made a better attempt at recovery.”

    Brian S.

  • “Most of all they over delivered.”

    Susan W.

  • “Excellent service.”

    John C.

Injured? Our Firm Can Help.

Contact Us Today for Your Free Case Evaluation.
    • Please enter your first name.
    • Please enter your last name.
    • This isn't a valid phone number.
    • Please enter your email address.
      This isn't a valid email address.
    • Please make a selection.
    • Please enter a message.