Almost all automobile insurance includes “Uninsured Motorist” (UM) or “Underinsured Motorist” (UIM) coverage. Yet, most people who buy this insurance fail to file a claim when they are hurt by an uninsured or underinsured motorist. Here’s what you need to know
UM/UIM coverage is personal. All it requires is that you were hurt by another person who was driving a motor vehicle. You don’t need to be anywhere near your insured car for the coverage to apply. You can be in a friend’s car – walking on the beach – or hopping on a pogo stick. UM/UIM coverage will be there if you are hurt by an uninsured or underinsured motorist.
Oddly, most folks who pay for UM/UIM insurance never think to file a claim when they are hurt away from their own vehicle. Most folks think that they have to actually be in their own car for their UM/UIM insurance to apply. That’s not how it works.
Most folks also don’t know that there is no time limit on filing UM/UIM claims. Normally, you can file a UM/UIM claim at any time. In some situations, where a child was badly injured 10 or 15 years ago, a parent may bring a UM/UIM claim today. The same holds true for adults. The Statute of Limitations is usually no bar to a UM/UIM claim. And while it is always best to act quickly, many UM/UIM claims can be brought years after the injury arose.
BOTTOM LINE: Remember to look into UM/UIM claims whenever a loved one is hurt by a motorist. In Alaska, these are some of the best ways that we help our injured clients move toward a better future. Always buy a TON of UM/UIM insurance, and use it when you need it. Just don’t be surprised that your insurance agent failed to mention your right to bring a claim…