A lack of sufficient insurance can make the coverage review especially important. The guidance below introduces key considerations, useful documentation and questions that may require case-specific legal advice.
Confirm what coverage exists
Identify the other driver’s insurer, any relevant policy limits and the coverage available under your own policies. Labels such as uninsured and underinsured describe different situations.
Review your own UM and UIM provisions
Uninsured motorist and underinsured motorist benefits can depend on policy terms, vehicle ownership, occupancy and other facts.
Continue documenting the underlying accident
Insurance questions do not replace the need to establish fault, injuries and damages. Preserve the same records you would in another crash.
Pay attention to process and deadlines
Notice requirements, consent provisions and claim procedures may apply. Get advice specific to the insurance contracts involved.
Records worth keeping
- All available policy declarations
- Claim numbers and insurer correspondence
- Evidence of the collision and resulting losses
- Information about other potentially applicable policies
Is uninsured motorist coverage the same as underinsured motorist coverage?
No. UM generally concerns an at-fault driver with no applicable liability coverage; UIM addresses insufficient applicable coverage, subject to the policy.
Discuss Your SituationThis page is general information, not legal advice. Results depend on individual circumstances. Sending an inquiry does not establish an attorney-client relationship. Consult qualified legal counsel about deadlines and your situation.