Uninsured Underinsured Motorist
What matters
UM/UIM coverage may involve notice, consent, offsets, multiple policies, household status, and insurer-specific procedures.
Records to gather
- Every auto policy and declarations page
- At-fault coverage disclosure and payment records
- Notices, consent requests, and reservation letters
Questions to answer
- Which policies may cover the injured person?
- Is insurer consent needed before resolving another claim?
- How are offsets or stacking handled?
Avoid this mistake
Settling with another driver before checking policy conditions can create a coverage dispute.
Keep the state question visible
Choose a stateProcedure, definitions, coverage, and deadlines can change by jurisdiction.
Primary sources to check
Begin with the current statute text, the relevant court's rules and filing information, and any agency material tied to the defendant or insurance issue.
- USA.gov state and territory directory
- United States Courts for federal court information
- The official legislature, judiciary, and regulator for the relevant state
Source links checked August 29, 2026. A source page is a starting point; the controlling text and current court rules still need to be read.