When UM/UIM Becomes Critical
UM/UIM coverage can bridge recovery gaps in hit-and-run and low-limit liability scenarios.
Early notice and complete records improve first-party claim handling quality.
Colorado Uninsured and Underinsured Motorist Coverage Guide
UM/UIM coverage can become a primary recovery path when the at-fault driver has no insurance or inadequate limits.
Key Points
- UM/UIM often activates when third-party limits are unavailable or insufficient.
- Early policy and limits review prevents avoidable delays.
- Document insurer communications in writing for coverage disputes.
Managing First-Party Coverage Disputes
Your insurer may request detailed records and causation support before valuation decisions.
Organized documentation and timeline discipline improve leverage in disputed UM/UIM claims.
Frequently Asked Questions
Does UM/UIM only apply to hit-and-run crashes?
No. It can also apply when the at-fault driver is identified but carries insufficient limits.
Is UM/UIM a claim against my own insurer?
Yes, in many cases UM/UIM is handled through your own policy.
Can UM/UIM claims still be disputed by my insurer?
Yes. Liability, causation, and damages can still be contested in first-party UM/UIM handling.