If you have been injured in a car crash, the first thing you should do is seek medical attention. Even if your injuries appear to be minor, it is important to have them checked by a doctor as soon as possible. You should also contact the police and file a report of the accident. If possible, take pictures of the accident scene and gather contact information from any witnesses. It is also a good idea to consult with a personal injury lawyer to discuss your legal options and to make sure that your rights are protected.

Underinsured motorist coverage (UIM) is a type of car insurance that provides protection in the event that you are involved in an accident with another driver who does not have enough liability insurance to cover the cost of your injuries or damage to your vehicle. This coverage will step in and pay for the difference between the other driver's insurance coverage and the amount of damages that you have incurred. It can also provide coverage if the other driver has no insurance at all. UIM coverage is typically optional and may require additional premium. It is a good idea to discuss this coverage with your insurance agent to determine if it is something that would be beneficial for you to have.

Medical payments coverage, also known as "med pay" is a type of car insurance that provides coverage for medical expenses incurred as a result of an accident. This coverage can pay for things such as hospital and doctor bills, ambulance fees, and other medical expenses. It can also cover lost wages if you are unable to work due to your injuries. This coverage typically applies regardless of who is at fault for the accident. It is an optional coverage that can be added to your auto insurance policy and the coverage amount can vary from policy to policy. It is usually offered in small amounts, usually between $1,000 to $5,000, but it can go higher depending on your state, and policy. It's a good idea to consult with your insurance agent to determine if it is something that would be beneficial for you to have.