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Uninsured motorist (UM) and underinsured motorist (UIM) claims are made under your own policy, but the insurer may still require proof of fault, medical causation, and the full amount of the losses.
Kernal & Associates reviews the policy and coverage limits, gives required notices, coordinates any claim against the at-fault driver, documents the injuries and financial losses, and addresses coverage disputes.
The policy language may control notice, consent to settlement, offsets, available limits, and the order in which claims are resolved.
A claim under your own policy still requires evidence of the other driver’s fault and the losses caused by the crash.
We respond when the insurer disputes coverage, fault, medical causation, or the amount of the losses.
Early choices can affect deadlines, evidence, release conditions, and insurance rights.
The process starts with the policy, required notices, and the relationship between all available insurance claims.
We review the policy, limits, exclusions, notice requirements, deadlines, and other available insurance.
We gather evidence of fault along with medical, wage, and other records of the losses caused by the crash.
We submit the supporting records and respond to disputes about policy terms, fault, treatment, or losses.
A lawsuit may be required when the insurer disputes coverage or will not fairly evaluate documented losses.
Learn about Todd’s background, client feedback, and representative matters before deciding whether to contact the firm.
Photos, video, witness information, vehicle data, and reports may be difficult to recover later.
Treatment, missed work, expenses, and daily limitations should be recorded as they develop.
A release may end the claim even if treatment or wage loss later proves worse than expected.
Review connected claim types that commonly overlap with UM/UIM matters.
A step-by-step guide to coverage, notices, evidence, and common claim disputes.
View This PageReview the firm’s other collision and injury services.
View This PageFault, injury, and insurance issues after a passenger vehicle collision.
View This PageImmediate steps for preserving crash, medical, and insurance records.
View This PageRecords that may matter after a crash involving a commercial truck.
View This PageAsk about policy language, required notices, coverage limits, and deadlines.
View This PageAnswers to common uninsured and underinsured motorist questions in Oklahoma.
A UM claim generally seeks recovery under your own policy when the at-fault driver has no liability insurance. Coverage terms and claim process depend on policy language and case facts.
UIM may apply when the at-fault driver’s policy limits are insufficient to cover full losses. It can provide additional recovery subject to your policy terms.
Yes. Your insurer may dispute who caused the crash, whether the injuries were related, the extent of the losses, or whether the policy covers the claim. The policy and supporting records need to be reviewed together.
Generally yes. You still need evidence showing who caused the crash and what losses followed. The policy language, limits, notices, and any payments from other insurers also matter.
Possibly, but notify your own insurer and have the policy requirements reviewed before signing a release. Settling in the wrong order may create a coverage dispute.
As soon as practical. Early review can identify notice requirements, policy limits, deadlines, and any steps required before settling with another insurer.
Have a question about your situation?
Request a Free ConsultationAn early review can identify policy requirements, available limits, settlement order, and deadlines.
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