UM/UIM Claim Requirements
To file a UM/UIM claim:
• The other driver must be at fault
• Other driver must be uninsured or underinsured
• You must have UM/UIM coverage
• Claim must be properly reported
• Documentation must support damages
These claims are filed with your own insurance company.
• The other driver must be at fault
• Other driver must be uninsured or underinsured
• You must have UM/UIM coverage
• Claim must be properly reported
• Documentation must support damages
These claims are filed with your own insurance company.
Filing Process
Steps to file:
1. Report accident to your insurer immediately
2. Identify UM/UIM coverage applies
3. Provide documentation of other driver's fault
4. Submit proof of injuries and damages
5. Negotiate with your own insurer
6. Resolve through negotiation or arbitration
1. Report accident to your insurer immediately
2. Identify UM/UIM coverage applies
3. Provide documentation of other driver's fault
4. Submit proof of injuries and damages
5. Negotiate with your own insurer
6. Resolve through negotiation or arbitration
Common UM/UIM Challenges
Issues that may arise:
• Insurer disputes the other driver's fault
• Insurer disputes whether driver was uninsured/underinsured
• Insurer undervalues your claim
• Policy interpretation disputes
• Offset issues with other coverage
These challenges often require legal assistance to resolve.
• Insurer disputes the other driver's fault
• Insurer disputes whether driver was uninsured/underinsured
• Insurer undervalues your claim
• Policy interpretation disputes
• Offset issues with other coverage
These challenges often require legal assistance to resolve.