Understanding UM Claims — Your Insurance Company Is Not On Your Side
Here's a counterintuitive truth: when you file a UM claim after a hit-and-run, you're essentially suing your own insurance company. Despite paying premiums for years, your insurer will often fight UM claims just as aggressively as they would fight claims against their other policyholders. They'll dispute injury causation, challenge pain and suffering values, and question whether the hit-and-run actually occurred as you described.
Our hit-and-run lawyers are experienced in fighting UM claim disputes. We present airtight documentation, retain medical experts, and don't let insurance companies minimize your legitimate claim just because the at-fault driver fled.
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What is Uninsured Motorist coverage and how does it apply to hit-and-run?
Uninsured Motorist (UM) coverage is an optional insurance coverage that protects you when you're hit by an uninsured driver — or an unknown driver (hit-and-run). When you file a UM claim, your own insurance company steps into the shoes of the at-fault driver and compensates you for your injuries, lost wages, and pain and suffering. Despite it being 'your' insurance company, they often fight these claims — which is why you need a lawyer.
How much UM coverage should I carry?
Insurance professionals recommend carrying at least $100,000/$300,000 in UM coverage. The state minimums ($25,000/$50,000) are often inadequate for serious injuries. The cost difference between minimum and higher UM coverage is typically only $15-30/month — well worth the protection.
Can my insurance company deny my hit-and-run UM claim?
Unfortunately, yes — even your own insurance company can deny or low-ball UM claims. They require proof of actual physical contact in many states, may dispute injury causation, and use the same tactics as other insurers. Our hit-and-run lawyers know how to fight UM claim denials and force fair payment.
