Uninsured/Underinsured Motorist Coverage Claim

Uninsured and Underinsured Motorist Coverage (UM/UIM) claims can be a complex, technical area of insurance defense.

The insurance policy language is the key starting point of defense in any claim involving insurance. The insurance policy language provides the framework which Courts will look to in resolving claim issues. It is important that the particular insurance policy endorsement, which provides the coverage, be reviewed at the first notice of the claim, especially where any of its pertinent provisions may be at issue.

UM/UIM claims are defended on a "case by case" basis where both the underlying facts and the claimant's compliance with the coverage requirements may determine the ultimate result. Therefore, we work to obtain all the facts, the insurance policy language applying to the claim, and then look at the law of the State where the accident happened and or the law of the State where the policy was issued, to determine the proper course.

Contact Lawrence, Worden, Rainis & Bard, P.C., with questions regarding your UM/UIM claims.


Bob Worden, Jeffrey Bard and Margaret Herman are members of the firm Lawrence Worden Rainis & Bard, P.C., located in Melville, New York, which focuses on defense of high exposure claims. They have been frequent lecturers and consultants for national property and casualty insurers regarding Uninsured and Underinsured Motorist claims and other issues regarding defense of high exposure claims.