Say What?! Three Hard to Believe Benefits of UM/UIM Coverage

March 28, 2019

As we discussed in a recent blog, Uninsured (UM) and Underinsured (UIM) motorist coverage provides you additional personal injury protection when you are involved in a car crash where the at-fault driver has no bodily injury insurance or insufficient insurance policy limits (READ MORE HERE). We provided basic information about why these types of first-party insurance policies can be critical in providing you the compensation you deserve for your personal injury claim. However, we’ve barely scratched the surface as to how UM and UIM coverage can benefit you and your loved ones.


At Torgenson Law, our hope is that you and your loved ones never require our legal services. However, as Phoenix Injury Lawyers, we know that injuries can and will happen on Arizona roadways. Accordingly, our main objective is to ensure that you are informed about any and all ways to protect yourself. So, here are three additional benefits of purchasing UM/UIM coverage.


  1. The Duty of Good Faith and Fair Dealing.

UM/UIM insurance is a first-party policy. This means your own insurance company provides your UM/UIM coverage. Of course, when it comes to personal injury compensation, even your own insurance company might be reluctant in providing you the compensation you deserve. Nonetheless, as a first-party insurer, your insurance company has certain duties of good faith and fair dealing. Where a third-party insurer may completely refuse to settle your injury claim, your own insurance company has a contractual obligation with you to appropriately evaluate and resolve your UM/UIM claim.


  1. Household Family Members are Protected.

Absent contractual exclusions, all UM/UIM policies will protect any family members who live with you at your home. This is important for a number of reasons. For one, your own policy will provide coverage for your family members even if they are not explicitly listed on the policy. Likewise, if your family members have their own vehicles with separate UM/UIM policies, those policies could also apply to you. Put another way, there may be a different UM/UIM policy for every vehicle at your household. Questions regarding applicable insurance policies can be complex and may be subject to some restrictions. At Torgenson Law, we have years of experience tackling these issues, and we are happy to review your potential claim and answer these questions for you.


  1. UM/UIM Applies Even if You are not Driving.

The key thing to remember is that these policies kick in when an uninsured or underinsured driver injures you. So, even if you are hit as a pedestrian, a bicyclist, or a passenger in another’s vehicle, your UM/UIM coverage would still apply. Do not let the fact that you are not in your own vehicle discourage you from seeking compensation under your UM/UIM policy.


At Torgenson Law, our attorneys are well versed in fighting in both third-party and first-party insurance companies. However, the only way we can fight for your first-party UM/UIM claim is if there is applicable insurance. If you have not done so already, call your insurance company today to purchase UM/UIM for you and your family. The benefits are undeniable and can truly make the difference in receiving appropriate compensation for you injuries. If you or a loved one is injured, do not hesitate to call Torgenson Law at (602) 759-0012. We would be happy to look over your automobile insurance policy to determine whether you have a valid UM/UIM claim.