Many drivers on the road carry no insurance or only the minimum required by law — often far less than the cost of a serious injury. Uninsured motorist (UM) and underinsured motorist (UIM) coverage under your own policy is designed to fill that gap.
How UM and UIM Coverage Works
UM coverage may apply when the at-fault driver has no insurance or cannot be identified. UIM coverage may apply when the at-fault driver's policy limits are too low to cover your losses. The details — including whether coverage stacks across vehicles and what notice you must give — depend on your policy and your state's law.
Your Own Insurer Becomes the Other Side
In a UM/UIM claim, your insurance company evaluates your injuries the same way an adverse insurer would, and it may dispute the value of your claim. Policies often contain specific procedures, such as consent-to-settle provisions and arbitration clauses, that must be followed carefully.
How We Can Help
We review every policy in your household that may provide coverage, comply with the policy's procedural requirements, and press your insurer to pay what your claim is worth.