UIM coverage kicks in when the at-fault driver has insurance, but not enough to cover what you actually lost. Say your damages total $100,000 and the other driver only carries $25,000 in liability coverage, your own UIM coverage can potentially make up that $75,000 gap, up to your own policy’s limit.
The permission step people skip
Many Colorado policies require you to get your own insurer’s permission before accepting a settlement from the at-fault driver, since accepting too early can waive your right to pursue the UIM difference. Skipping that step is an easy way to accidentally give up money you’re actually owed.
What to do next
If this is where you are right now, call Mile High Legal at (720) 853-5779 for a free consultation. We handle Colorado car accident and injury claims on contingency, meaning you pay nothing upfront and nothing at all unless we recover money for you.
