UninsuredUnderinsured Motorist Claims

An uninsured/underinsured motorist (UM/UIM) claim is a type of insurance coverage that allows you to seek compensation from your own insurance company if youre involved in an accident with a driver who either has no insurance or insufficient coverage to pay for your damages.

You can check your auto insurance policy declarations page or contact your insurance agent directly to confirm whether you have UM/UIM coverage included in your policy.

First, ensure everyones safety and call emergency services. Then, gather as much information as possible (photos, witness statements), report the accident to the police, notify your own insurance company about the incident, and consult a car accident lawyer for legal advice.

Yes, you can file a UM claim under hit-and-run circumstances. Its crucial to report the incident to both law enforcement and your insurer promptly. Your car accident lawyer can guide you through this process and help maximize your potential recovery.