Understanding Underinsured Situations
A driver is underinsured when:
• Their policy limits are less than your damages
• Serious injuries exceed typical liability limits
• Medical bills and lost wages exceed coverage
• Multiple victims share limited coverage
State minimums ($15,000-$30,000) are often inadequate for serious injuries.
• Their policy limits are less than your damages
• Serious injuries exceed typical liability limits
• Medical bills and lost wages exceed coverage
• Multiple victims share limited coverage
State minimums ($15,000-$30,000) are often inadequate for serious injuries.
Using UIM Coverage
Underinsured motorist coverage:
• Pays difference between other driver's limits and your damages
• Is part of your personal auto policy
• Has its own coverage limits
• May be stackable across vehicles
• Requires proving the other driver is at fault
This coverage is essential protection for serious accident injuries.
• Pays difference between other driver's limits and your damages
• Is part of your personal auto policy
• Has its own coverage limits
• May be stackable across vehicles
• Requires proving the other driver is at fault
This coverage is essential protection for serious accident injuries.
Maximizing Your Recovery
To get full compensation:
• Document all damages thoroughly
• Don't settle with at-fault driver's insurer without UIM consideration
• Coordinate claims properly
• Understand how claims stack
• Consider all coverage sources
• Get attorney help for serious injuries
• Document all damages thoroughly
• Don't settle with at-fault driver's insurer without UIM consideration
• Coordinate claims properly
• Understand how claims stack
• Consider all coverage sources
• Get attorney help for serious injuries