What a UM or UIM Auto Claim Involves
A UM claim generally applies when the at-fault driver has no liability insurance, while a UIM claim applies when the at-fault driver has some coverage but not enough to pay the full amount of proven losses. In both situations, your own policy becomes the source of payment up to the limits you purchased. That does not mean payment is automatic. Insurers often investigate fault, review medical history, and compare treatment timelines to the accident date to decide whether they agree the crash caused the injury. Preparing a claim usually involves collecting the crash report, photos, witness information, treatment records, itemized bills, and proof of missed work or reduced earning capacity.
UM/UIM claims also involve technical issues that can change the value of recovery, such as how policy limits apply, whether multiple vehicles or policies may increase available coverage, and whether payments from other sources affect what remains payable. Your insurer may request recorded statements, medical authorizations, or additional documentation, and may set deadlines under the policy for notice and cooperation. A careful approach focuses on accuracy and completeness—providing the information required without creating avoidable disputes. When negotiations stall, the claim may require formal dispute resolution steps or litigation to resolve coverage questions and reach an appropriate valuation.
Need More Information?
