What is uninsured and underinsured (UIM & UM) coverage?

Underinsured (UIM) and uninsured (UM) motorist coverage is an aspect of every Nebraska insurance policy that provides a safety net for drivers in the event that they are injured by an irresponsible driver who doesn’t have insurance or doesn’t have enough insurance to compensate them for their injuries.

Both UM and UIM claims are filed with your own insurance company. This can often be a difficult process, and hiring an attorney can help to ensure that you are compensated fairly.

Accident With an Uninsured Driver

For uninsured coverage, you would file one of these claims if you are struck by a driver with no insurance. You would file your claim directly with your own insurance company, because there is no opposing insurance company to file a claim with.

Accident With an Underinsured Driver

In underinsured coverage, you must first exhaust the other driver’s available insurance coverage before filing a claim with your own insurance company. The notice requirements for informing your own insurance company can be strict, so it is best if you speak with an experienced Omaha car accident attorney about these types of claims.