UM/UIM Bad Faith
A claim on your own policy, against the company you pay. These cover what changes when your insurer becomes the opposing party.
When the Company You Pay Is the One Fighting You
Uninsured and underinsured motorist claims have a structural oddity people rarely anticipate: the company that has been on your side is now the party deciding what your injury is worth, and paying it out of its own pocket.
Read more →Stacking and Why It Is Worth Asking About
If premiums were paid on more than one vehicle or more than one policy in a household, the question of whether those limits can be combined is often worth more than every other issue in the claim put together.
Read more →The Release That Can Destroy Your Own Claim
This is the most avoidable and most expensive mistake in an underinsured motorist claim: accepting the at-fault driver's limits, signing the release, and only then discovering it has cost you the claim against your own carrier.
Read more →When the Driver Is Never Identified
A hit-and-run, or a driver who ran you off the road without touching you, is usually handled as an uninsured motorist claim. Those claims carry conditions the ordinary ones do not.
Read more →When Your Own Carrier Delays or Underpays
Because a UM/UIM claim is first-party, the good-faith duty applies at full strength. That makes unreasonable handling here something more than a hard negotiation.
Read more →Looking for the law in your state?
These describe how each denial works, which is much the same everywhere. What you can do about one is not — choose the state where your policy was issued.