What Everyone Needs to Know About Uninsured and Underinsured Motorist Insurance (UM/UIM)

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Attorney Galen Trine-McMahan | 888-634-7366 | Free Consult

What do you need to know about uninsured and underinsured motorist coverage (UM/UIM)? How can it be used? In the event of a car accident with an uninsured or underinsured motorist, are there any other options for recovery other than the use of UM/UIM insurance?

Galen Trine-McMahan is a personal injury attorney with Metier Law Firm in Denver, Colorado. In this Quick Question, he explains why it’s essential to have this type of coverage. If not, you could be out of luck if you’re hit by a driver with little or no insurance.

To learn more, contact the attorney directly by calling 888-634-7366 or by submitting a contact form on this page. The consultation is free and confidential, and you owe no out-of-pocket attorney fees.

UIM/UM coverage stands for underinsured motorist and uninsured motorist coverage.

This kind of coverage applies when you are in an accident with someone who does not have insurance, or has insufficient insurance to cover your expenses due to damages. In some states, this coverage is required, but in many states, it is fully optional. However, car accident attorneys do not recommend waiving this coverage. In fact, they recommend purchasing more rather than less of it.

Unfortunately, in most cases that a person finds themselves involved in a car accident with an uninsured or underinsured motorist without the necessary coverage, there isn’t much an attorney can do to help them. When a driver has UM/UIM coverage they are protected in the case of one of these accidents; the insurance coverage can go toward covering not only the cost of a damaged vehicle, but other damages including medical bills, lost wages, and more.

Experts recommend adding UIM/UM coverage to your insurance policy.

This is the best way to ensure that you and your family are protected in the event of an accident with an uninsured or underinsured motorist. While it is often possible to file a personal injury claim against the other driver to attempt to cover damages, it should be noted that drivers without insurance rarely have any assets worth enough to pay your damages.

If you are unsure of what kind of coverage to purchase or how to apply your current coverage to the damages of a car accident, seek legal counsel. The majority of car accident attorneys offer free consultations and work on contingency, which means if you do have a case and they choose to accept it, you won’t have to pay unless they win. It’s also a good idea to talk to your insurance company about what kind of UM/UIM coverage they offer and adjust your current policy accordingly.

To learn more, contact Galen Trine-McMahan directly by calling 888-634-7366 or by submitting a contact form on this page. The consultation is free and confidential, and you owe no out-of-pocket attorney fees.

Video Transcript:

Christine Haas:

What should I know about uninsured motorist coverage? We ask Colorado attorney Galen Trine-McMahan in this AskTheLawyers.com Quick Question.

Galen Trine-McMahan:

UM/UIM insurance stands for uninsured motorist under-insured motorist coverage and basically, that’s going to apply any time you are hurt by another driver who does not have adequate insurance to protect you.

There are a lot of drivers out there with no insurance who are violating the law, and if you get hit by one of them, you literally have no insurance coverage. So these uninsured, underinsured motorist policies which you can buy through your own auto insurance, they will kick in and protect you and pay medical bills, pay for time off work, really help take care of you if you’re hurt by another motorist.

Disclaimer: This video is for informational purposes only. In some states, this video may be deemed Attorney Advertising. The choice of lawyer is an important decision that should not be based solely on advertisements.