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By Shaheen Wallace, Esq. May 21, 2020

Why Is My Insurance Company Refusing to Pay UIM Benefits?

Insurance companies have all kinds of catchy phrases about being good neighbors and being in the right hands, but the fact is, they’re still insurance companies.

There are times when we will need to look to our own insurance carriers to pay for injury claims because the at-fault party does not have enough insurance. What you will notice is that insurance companies will treat you as if you were the at-fault party.

UIM (Underinsured Motorist Claims) are brought under your own insurance policy when the at-fault party does not have enough insurance to cover the total damages they caused. You then turn to your carrier to fill in the rest with the UIM policy.

What will happen is that the insurance company will begin to investigate the claim, much like they would if you were the one that caused it. They will require medical records, evidence, and reports establishing your claim. And while they owe a contractual duty to review, evaluate and pay the claim in good faith, just know that they are not eager to help.

An insurance company makes money on premiums and by not paying out on claims. Whether it is your insurance company, or the at-fault party’s, understand that they will fight tooth and nail to not compensate your damages. If that is the case, you and your attorney may even have to file a suit against your own insurance company to obtain full civil justice.

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If you or anyone you know was seriously injured in a car crash, call us so we can help you. Our office remains open during this time, and you can speak directly to an attorney and get a free consultation when you call. We are available to speak with you via video conference, text or telephone. Call us or send us a message, or visit our website at


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