Underinsured Motorist Coverage: Protection When The Other Driver’s Insurance Isn’t Enough

What Is Underinsured Motorist Coverage?

Underinsured motorist coverage (UIM) protects you and your passengers in the event of a collision with a driver who does not have enough insurance to fully cover your damages. If you are involved in an accident where the at-fault driver lacks sufficient coverage, your underinsured motorist coverage can help pay for your medical bills, lost wages, and other damages.

Underinsured Motorist Coverage in South Dakota

In South Dakota, underinsured motorist coverage is a mandatory part of your auto insurance policy. However, the ability to file a claim depends on your policy limits exceeding those of the at-fault driver’s liability coverage. Before settling with the negligent driver’s insurance company, ensure you’ve thoroughly reviewed your own coverage options, including UIM. It’s important to follow all legal processes and time limits for filing a UIM claim.

UIM coverage may also be referred to as “uninsured/underinsured motorist protection” or abbreviated as “UIM” in your policy.

When to File a UIM Claim

If the insurance of the at-fault driver is insufficient to cover the full extent of your damages, including medical expenses, lost wages, and pain and suffering, you may have grounds for a UIM claim. Ensure that you know whether UIM coverage applies to your situation and that you follow the correct claims process. A UIM claim can help you recover the full value of your injuries if your policy covers it.

Get a Free Consultation with Moore-Faust Law Group

At Moore-Faust Law Group, we offer a free, confidential consultation to evaluate the merits and potential value of your injury claim. Whether you’ve just begun the claims process or are in the midst of negotiations, we’re here to answer any questions you have about your claim.

Don’t Face the Claims Process Alone

If you’ve been injured in an auto accident caused by another driver, having an experienced auto accident lawyer on your side is crucial. Insurance adjusters work to protect the interests of the insurance company, often minimizing payouts. Studies show that accident victims who have an attorney receive, on average, three times the payout compared to those who represent themselves.

The Complexities of Auto Accident Claims

Navigating the auto accident claims process can be overwhelming. An attorney will help you communicate with insurance adjusters, ensure your claim is properly filed, and help you pursue the maximum compensation. To prove liability and the extent of your injuries, your lawyer will gather key evidence, such as witness testimony and medical documentation, to build a strong case on your behalf.

Free, No-Cost Claim Review

Contact Moore-Faust Law Group today for a free, no-obligation consultation. Let our experienced attorneys help guide you through the claims process and ensure you receive the compensation you deserve.