Making a Claim for Uninsured Motorist Benefits
UM/UIM means under-insured or uninsured. If the person legally responsible for your injuries does not have sufficient insurance to pay for the damages you suffered, then you may able to make a claim under your own auto policy for UM/UIM benefits. In other words, your own auto insurance company may be required to pay for your medical bills, lost wages and other damages, provided your policy includes UM/UIM coverage. The cost for UM/UIM coverage is modest, so you should call your insurance company to make sure that your auto policy includes uninsured and underinsured motorist coverage.
In order to preserve a UM/UIM claim, the policyholder (the insured) has to comply the terms of the policy. A lot of people mistakenly believe that if they are hurt out-of-state then they have to comply with that other state’s laws as it relates to their UM/UIM claim. That is incorrect: If you have a policy written in Colorado, it does not matter in what state you where injured, you must comply with Colorado personal injury and insurance law. So for example, if a Colorado resident with UM/UIM coverage is hurt in an auto accident while visiting New York and the negligent party is uninsured or underinsured, the injured person must comply with Colorado law in order to make a UIM/UM claim. Keep in mind, every auto policy requires that the insured notify the insurance company of a potential claim. You should review your policy to ensure that you know how to fulfill your responsibilities to make a claim for UM/UIM benefits. Contact Denver Personal Injury Lawyer Gregory A. Hall to assist you in making your UM/UIM claim so that you can obtain the benefits to which you’re entitled.
Contact a Denver personal injury lawyer to set up an appointment for a free consultation:
The information on this blog or website is not legal advice.