When you are hurt by a driver who has no insurance or not enough to cover your losses, uninsured (UM) and underinsured (UIM) motorist coverage on your own policy can step in. This coverage is one of the most valuable protections an Idaho driver can carry.
Why It Matters in Idaho
Idaho requires liability insurance, but minimum limits are low and many drivers carry only the bare minimum or drive uninsured entirely. If your medical bills and lost wages exceed the at-fault driver's coverage, UM/UIM bridges the gap.
How a UM/UIM Claim Works
- Uninsured motorist coverage applies when the at-fault driver has no insurance or flees the scene.
- Underinsured motorist coverage applies when the at-fault driver's limits are too low to cover your damages.
- You file the claim with your own insurer, but it can still become adversarial.
- Your insurer may dispute the value of your injuries just like any other insurer.
Do not assume your own insurance company is automatically on your side in a UM/UIM claim. They may still fight to minimize the payout.
Talk to an Attorney Before You Settle
Because UM/UIM disputes turn on the value of your injuries and the language of your policy, legal guidance can make a major difference. A free review can clarify what coverage applies to your situation.
Injured in Idaho? Get a Free Case Review.
Connect with an experienced Idaho personal injury attorney. No fees unless you win. Call 973-566-5599 or use the form.