UIM claims are claims that policyholders file with their own car insurance company if the at-fault driver in an accident does not have enough coverage to pay for the damage. Underinsured motorist (UIM) claims are different from uninsured motorist (UM) claims, which occur when the at-fault driver has no car insurance.
How to File a UIM Claim:
Notify your insurer of the car accident.
File a claim through the at-fault driver’s liability policy.
File a claim for the remaining amount through your own UIM policy.
The UIM claims process can take a while, since it involves two different insurance policies. So it’s important to file a claim with the at-fault driver and tell your insurer about the accident as soon as possible to expedite the process.
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