UM / UIM

Sometimes we do everything we can, and there just isn’t a way to get real money out of a defendant or their insurer.

The driver who sideswiped you on the highway never stopped and the cops never caught him. The woman who ran a red light and crashed into you in the intersection cancelled her insurance two weeks before the collision, and she’s poor enough that the court won’t enforce any order commanding her to pay you anything. The guy who rear-ended you when you stopped to let a pedestrian cross only has $15,000 of insurance, but your medical bills are pushing six figures. These situations happen, and it doesn’t always mean that you’re out of luck.

Your insurance policy is likely to already include options for Uninsured Motorist (UM) coverage and Underinsured Motorist (UIM) coverage. These are services that you pay for when you pay your premiums every month. In these agreements, your insurer agrees to pay for your injuries if the person who caused them can’t or won’t. These cases depend heavily on the specific language of your insurance contract. They can also have very particular administrative requirements. If you have UM or UIM coverage, I can help you get what you paid your insurer to provide.