Car & Auto Accidents
An uninsured at-fault driver doesn't have to leave you uncovered. Learn how Minnesota UM coverage works.
UM Coverage to the Rescue
Minnesota requires uninsured motorist (UM) coverage, which steps in when the at-fault driver has no liability insurance. You file with your own insurer to recover for injuries the other driver should have paid for.
How a UM Claim Works
You pursue compensation under your own policy, but you still must establish the other driver's fault and the extent of your injuries — just as you would against an insured driver.
Your Insurer Isn't Always on Your Side
Even though it's your own policy, your insurer may dispute or undervalue your claim. The relationship can become adversarial quickly.
Level the Playing Field
An attorney can handle the UM claim, push for fair value, and ensure you receive the coverage you paid for.
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.