When someone is injured in a crash that occurs during the course of employment, workers’ compensation can provide important protection, covering medical treatment and partial wage replacement regardless of fault. However, those benefits have limits. Nebraska’s workers’ compensation system does not cover pain and suffering, and wage benefits are capped by statute. For higher earners or those who suffer long-term injuries, the financial gap can be significant. That’s where uninsured and underinsured motorist (UM/UIM) coverage comes in. This coverage is outlined in your automobile insurance policy and provides additional protection when an at-fault driver has little or no insurance.
Even outside of work, UM/UIM coverage is one of the most important and affordable forms of personal protection a driver can carry.
One accident can change a person’s life and a family’s future. Taking steps now to review your insurance coverage can make all the difference if you are seriously injured in a motor vehicle accident, whether on or off the job. Adequate UM/UIM coverage today can prevent enormous financial strain tomorrow and provide peace of mind when it’s needed most.
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If you have questions, please do not hesitate to contact Audrey Svane at (402) 437-8528 or asvane@woodsaitken.com. Learn more about Woods Aitken’s Personal Injury Practice Group and subscribe to our E-Briefs for the latest news, tips, and updates, on a range of legal services.