Uninsured & Underinsured Motorist Attorneys

Uninsured motorist (UM) coverage applies when the at-fault driver has no insurance — including hit-and-run drivers who are never identified. Underinsured motorist (UIM) coverage applies when the at-fault driver has some coverage but not enough to cover your damages.

UM/UIM claims are legally against your own insurance company, but the process is adversarial. Your insurer's job is to pay as little as possible — which often means questioning your injuries, disputing treatment, and lowballing settlement offers just like a third-party insurer would.

Many people don't realize they have UM/UIM coverage or that it 'stacks' across multiple vehicles on the same policy. We review your entire declarations page — and any household member's policy — to identify every source of coverage.

Available damages under UM/UIM typically mirror what you could recover from the at-fault driver: medical bills, lost wages, and pain and suffering, up to your policy limits. Bad-faith claims may be available where your insurer unreasonably delays or denies.