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Under-Insured Motorist


Uninsured Motorist &
Under-insured Motorist


These coverages are intended to make you whole and will pay the same damages you are entitled to recover from the negligent party. UM and UIM motorist coverage pays for medical bills, funeral expenses, lost wages and the pain-and-suffering of the accident victims. 

Uninsured motorist coverage is one of the most important coverages on your policy because of it's broad range of protection. It's protection covers you, your family members residing with you and the passengers in your car when you are involved with an uninsured motorist or a hit and run motorist. It will cover you and family members as pedestrians if you are struck by a hit and run (even "miss and run") motor vehicle or an uninsured motor vehicle. 

UM coverage also applies to you as a passenger in someone else's car if they are uninsured or involved in an accident with someone who has no insurance. Attorney Jim Donelan even was successful in obtaining compensation for his client when he was struck by a hit and run snowmobile. 


By law uninsured motorist coverage includes underinsured motorist insurance. An underinsured motorist is someone who causes an accident but his insurance is not sufficient to fully compensate the victims of the accident. Rhode Island residents are required to obtain motor vehicle insurance with limits in the amount of $25,000 per person, $50,000 per accident. When several people are injured in the same accident the minimum coverage can be quickly exhausted. That's when it becomes necessary to collect from your under-insured coverage of any applicable policies. Again this coverage also applies to you and family members as pedestrians as well as passengers in your vehicle. 


Jim Donelan handles motor vehicle accidents such as car accidents, truck accidents, and motorcycle accidents as well as uninsured motorist, under-insured motorist accidents and underinsured motorist accidents in the following Rhode Island areas: Barrington RI, Bristol RI, Burrillville RI, Central Falls RI, Charlestown RI, Coventry RI, Cranston RI, Cumberland RI, East Greenwich RI, East Providence RI, Exeter RI, Foster RI, Glocester RI, Hopkinton RI, Jamestown RI, Johnston RI, Lincoln RI, Little Compton RI, Middletown RI, Narragansett RI, New Shoreham RI and Block Island RI, Newport RI, North Kingstown RI, North Providence RI, North Smithfield RI, Pawtucket RI, Portsmouth RI, Providence RI, Richmond RI, Riverside RI, Scituate RI, South Kingtown RI, Tiverton RI, Wakefield RI, Warren RI, Warwick RI, West Greenwich RI, West Warwick RI, Westerly RI, Woonsocket RI, Kent County, Providence County, Washington County, and through out South County, Newport County, East Bay and West Bay.

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