Claims & Compensation
What happens when the at-fault driver has no insurance or too little? Minnesota UM/UIM coverage explained.
Minnesota Requires UM/UIM Coverage
Minnesota requires drivers to carry uninsured (UM) and underinsured (UIM) motorist coverage. This protects you when the at-fault driver has no insurance or not enough to cover your injuries.
When UM Applies
Uninsured motorist coverage steps in when the at-fault driver has no liability insurance or in hit-and-run situations. It allows you to recover from your own policy for injuries the other driver should have paid for.
When UIM Applies
Underinsured motorist coverage applies when the at-fault driver has insurance, but their limits aren't enough to cover your damages. Your UIM coverage can make up part of the difference.
These Claims Can Be Contested
Even though you're claiming under your own policy, your insurer may dispute the value of your injuries. Having an attorney levels the playing field. A free review can explain your coverage.
This article is general information, not legal advice. Every case is different. For guidance on your specific situation, call 973-566-5599 for a free, confidential case review.