We examine declarations pages, endorsements, stacking rules, offsets, and exclusions so nothing gets missed.
UM and UIM claims often have contract based notice and proof requirements. We handle them from day one.
We document current treatment, future care, wage loss, and the human impact of the collision to support full valuation.
Strong files make low valuation harder to defend. If negotiations stall, we are ready to litigate coverage and value disputes.
Plain language updates and a clear plan you can follow.
Applies when the at fault driver has no liability insurance or in many hit and run situations. Your UM coverage can step in as if it were the other driver’s policy, subject to your limits and contract terms.
Applies when the at fault driver’s liability limits are too low to cover your losses. After exhausting the liability policy, your UIM may pay the difference up to your own limits, subject to offsets and policy conditions.
Household members, resident relatives, and multiple vehicles can create additional layers of coverage. Whether stacking is allowed depends on policy language and state law. We analyze all potential sources.
Some policies require written consent before you settle with the at fault carrier. We manage consent and protect your right to pursue UIM benefits.
We document facts, build timelines, and cite the controlling contract language to keep your claim moving.
Collect and review all auto policies, endorsements, and correspondence for you and qualifying household members.
Provide timely notice to carriers, handle consent to settle when required, and send preservation letters for key evidence.
Establish fault and medical causation with records, imaging, and expert support where appropriate.
Calculate medical expenses, future care, wage loss, reduced earning capacity, and human losses with supporting documentation.
Present a clear, supported demand to each carrier. Address offsets, credits, and policy limits with precision.
File suit on coverage or value disputes and move the case forward with depositions, motions, and trial preparation.
