Denver Colorado Personal Injury Attorneys
(303) 393-6666 or (800) 431-6666
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Best of all, making a claim for UM/UIM benefits will cause your rates to go up. In cases of accidents, insurance premiums only go up for at fault drivers. Insurance companies are often reluctant to tell you about your UM or UIM benefits when you are in an accident or to pay you a fair settlement under this coverage for your injuries. If you have any questions or run into any trouble, we are here to help. |
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Questions, feel free to call us at (303) 393-6666 or (800) 431-6666.
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Uninsured Motorist (UM)
Coverage is the cheapest and most valuable insurance you can buy. This is
because it protects you and your family. If you are in an accident and the
other at fault driver did not have insurance, then your own UM coverage kicks
in. In other words, your own company stands in the shoes of the other
driver and is liable to you for such things as your pain and suffering as well
as loss of enjoyment of life. UM coverage is in addition to your basic No
Fault benefits, and everyone has it unless they specifically reject UM coverage
in writing, which no one should ever do. UM coverage also includes
underinsurance (UIM) benefits which depending on your limits, pays you when the
other party has insurance, but it is insufficient to cover all of your damages.