Underinsured Motorist Coverage protects you when someone with too little insurance causes an accident and injures you or a family member.
Underinsured Motorist Coverage, or UIM Coverage, as opposed to Uninsured Motorist Coverage, is not required in the State of Missouri. However, it is required in certain states, like Kansas and in Oklahoma. Underinsured Motorist Coverage is intended to pay for your injuries and damages you suffer after an auto accident when the defendant’s insurance coverage is not enough to pay all of your medical bills, lost wages, and other damages. Underinsured Motorist Coverage is an option to carry on your own vehicle, and any Underinsured Motorist claims are made against your insurance carrier.
We routinely represent clients in Underinsured Motorist claims. All too often, our clients are seriously injured and discover that the defendant’s state-required minimum liability coverage is not enough to compensate them. Underinsured Motorist Coverage can be important for clients who are severely or permanently injured or who can no longer work because of injuries sustained in a car accident.
If your insurance company is denying your Underinsured Motorist claim, or trying to pay you an amount that does not fully compensate you, call our firm immediately. We are experienced in handling Underinsured Motorist Claims and will battle the insurance company to make sure they pay you what you deserve.