The Problem of Uninsured Drivers
Many Utah drivers carry no insurance or only minimum coverage that falls far short of a serious injury's cost. When that happens, your own uninsured (UM) and underinsured (UIM) motorist coverage becomes your most important protection.
How UM/UIM Coverage Works
UM coverage applies when the at-fault driver has no insurance; UIM coverage applies when their limits are too low to cover your damages. Pursuing these claims means dealing with your own insurer, which may still resist paying fairly — making representation valuable.
Maximizing Your Recovery
Utah's four years statute of limitations (Utah Code § 78B-2-307) and policy-specific deadlines apply. An attorney can identify every applicable policy and pursue the full value of your claim.
Injured in Utah? Get a free, confidential case review today. There's no obligation, and you pay no fee unless you win. Call 973-566-5599.
Frequently Asked Questions
Your own uninsured motorist (UM) coverage may pay for your injuries. An attorney can help you pursue it.
UM applies when the at-fault driver has no insurance; UIM applies when their limits are too low to cover your damages.
Nothing upfront — our network attorneys work on contingency.
This page is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Utah attorney.