Uninsured Motorist coverage (“UM”) and Underinsured Motorist coverage (“UIM”) are auto insurance policies driver’s have the option of purchasing. If you have purchased one you automatically receive the other. There is such strong public policy favoring these policies that insurance companies are required to offer them to you when you purchase an insurance policy. If they failed to do so, they are required to extend that coverage to you even though your accident has already happened.
Often the driver who causes an injury producing collision will have little or no auto insurance, and no assets that can be pursued to compensate the victims for the damage they caused. In these circumstances, if possible, a UM/UIM claim is made. UM coverage is used when the at-fault driver carries no car insurance. UIM coverage can be utilized when the at-fault driver has valid insurance, but not enough to make the victim whole.
Proper handling of your uninsured or under-insured motorist claims require extensive knowledge of tort law, insurance bad faith, contract law and Nevada’s Unfair Claims Practices Act. The attorneys at Willoughby Shulman Injury Lawyers have handled hundreds of these matters and have the knowledge to obtain the best results possible.
Contact an Uninsured or Under-Insured Motorist Claims Attorney at our Firm. Call (702) 852-6688.